490 Niagara Street, St. Catharines, ON
L2M 3P5
Listed October 23, 2026
About this property
Incredible family home in North End St Catharines. Sitting on a good size irregular shaped lot (87ft x 150ft), this solid brick sidesplit boasts nearly 2,400sqft of living space including all four levels, plus a 3-season sunroom in the rear, and a double attached garage. Main floor is a functional design. Front facing living room with huge windows, formal dining leading into the kitchen. Overabundance of storage in the new kitchen cabinets, lots of counter space with quality quartz countertops. Upper level holds 3 good size bedrooms, each with large closets and windows. 3-piece bathroom with accessible shower. Lower level has a workshop room with an ensuite 3-piece bathroom. Another large room - which could be a 4th bedroom, family room or office. Basement has a rec room with wood burning fireplace, and a utility/laundry room. The lower level has separate entrance through a walk-up into the rear sunroom. This could be a functional space for in-law suite or separate unit. Amazing house layout provides some excellent potential for future usages/conversions or flexible living arrangements. 100AMP breakers. Sump pump. Forced air gas furnace & AC. HWT-Gas. Water Filtration System. Gutter leaf guards on eaves. Fully rear fenced yard. Harvest your own vegetables in the garden, and enjoy fresh fruit from 2 cherry trees in the front, and a mature apple tree in the rear yard.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 490 Niagara Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$121,980 · Minimum $35,990
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$4,107/mo
About $49,284 a year
- $2,698
- $446
- Home insurance$125
- Utilities$330
- Maintenance & repairs$508
Cash needed to close
- Down payment (20%)
- $121,980
- Ontario land transfer tax
- $8,673
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $133,153
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
490 Niagara Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
Similar Properties Nearby
View all →
For SaleVideo tourSt. Catharines
$609,900
32 Crestcombe Road
For SaleSt. Catharines
$615,000
31 Bendingroad Crescent
For SaleVirtual tourSt. Catharines
$599,900
126 Woodside Drive
For SaleVirtual tourSt. Catharines
$599,900
80 Pearce Avenue
For SaleSt. Catharines
$599,900
43 Monarch Park Drive
For SaleVirtual tourSt. Catharines
$599,900
7 Cecil Street
Last Updated: October 23, 2026
Listing Office: COLDWELL BANKER ADVANTAGE REAL ESTATE INC, BROKERAGE
This listing content is owned and licensed by REALTOR® members of The Canadian Real Estate Association. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.