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$549,900
Available - For Sale
Listing ID: X12539150
103 Vine Street , St. Catharines, L2R 3Y3, Niagara


GOLDEN OPPORTUNITY! Well maintained beautifully updated move in condition smoke/pet free Semi-Detached Raised bungalow duplex on a corner lot with 1.5 detached garage and 3off street parking. 1Km (.6 mile) to QEW highway. Upper level offers a nicely laid out spacious 3 bedroom. Updated kitchen complete with stylish back-splash, stainless steel appliances, and ample cupboard space. Fully finished lower level with separate entrance also offers spacious 2 bedroom with 8 foot high ceiling and large windows. The lower-level laundry area is conveniently designed to be shared between both levels. Outside, enjoy a fully fenced backyard with a garden shed and plenty of room for outdoor activities. Property built in 1994 boasts 125 amp breaker panel in the house and 60 amp breaker in garage. All new and newer appliances. Upgrades include: vinyl plank flooring throughout(2021), central AC(2023), modern walk-in shower(2024), fresh paint, new countertop sink faucet(2025). Perfect multi generational family or owner to live in the upper unit and rent the 2 bedroom. Here are very close approximation scenarios: Purchase price: $549,000, Mortgage amount $495,000 (10% down). Monthly mortgage payments based on 25 year amortization, 5 year fixed or variable: $2,600Rental income for 2 bedroom and garage: $2400. You will be living in the upper level 3 bedroom while owning the property for mere $200 a month! Should you choose to live in the 2 bedroom and instead rent the 3 bedroom you will actually make $400 a month! Property was rented from 2020 through Sept 2025. Upper floor currently vacant (rented for$2,400 plus hydro). Basement also currently vacant(rented for $1,835 plus hydro). Garage has been rented for the past 5 years and the current tenant, a hobby woodworker, pays $600 a month since July 2024. Garage tenant is willing to stay but if desired will move out with a 60 day notice. Private buyers are welcome!
Price $549,900
Taxes: $3248.02
Occupancy: Vacant
Address: 103 Vine Street , St. Catharines, L2R 3Y3, Niagara
Acreage: < .50
Directions/Cross Streets: Welland & Vine
Rooms: 6
Rooms +: 4
Bedrooms: 3
Bedrooms +: 2
Family Room: T
Basement: Finished wit, Separate Ent
  Level/Floor Room Length(ft) Width(ft) Descriptions
Room 1 Main Living Ro 11.97 10.99
Room 2 Main Dining Ro 11.28 8.69
Room 3 Main Primary B 14.4 9.61
Room 4 Main Bedroom 2 10.99 8.69
Room 5 Main Bedroom 3 10 9.61
Room 6 Basement Family Ro 14.99 10.99
Room 7 Basement Kitchen 20.89 8.89
Room 8 Basement Bedroom 4 13.81 9.41
Room 9 Basement Bedroom 5 9.97 8.89
Washroom Type No. of Pieces Level
Washroom Type 1 3 Main
Washroom Type 2 4 Basement
Washroom Type 3 0
Washroom Type 4 0
Washroom Type 5 0
Washroom Type 6 3 Main
Washroom Type 7 4 Basement
Washroom Type 8 0
Washroom Type 9 0
Washroom Type 10 0
Washroom Type 11 3 Main
Washroom Type 12 4 Basement
Washroom Type 13 0
Washroom Type 14 0
Washroom Type 15 0
Washroom Type 16 3 Main
Washroom Type 17 4 Basement
Washroom Type 18 0
Washroom Type 19 0
Washroom Type 20 0
Total Area: 0.00
Approximatly Age: 31-50
Property Type: Semi-Detached
Style: Bungalow-Raised
Exterior: Brick, Vinyl Siding
Garage Type: Detached
(Parking/)Drive: Available,
Drive Parking Spaces: 4
Park #1
Parking Type: Available,
Park #2
Parking Type: Available
Park #3
Parking Type: Private
Pool: None
Other Structures: Fence - Full,
Approximatly Age: 31-50
Approximatly Square Footage: 700-1100
Property Features: Fenced Yard, Library
CAC Included: N
Water Included: N
Cabel TV Included: N
Common Elements Included: N
Heat Included: N
Parking Included: N
Condo Tax Included: N
Building Insurance Included: N
Fireplace/Stove: N
Heat Type: Forced Air
Central Air Conditioning: Central Air
Central Vac: N
Laundry Level: Syste
Ensuite Laundry: F
Elevator Lift: False
Sewers: Sewer
$
$ /Year
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$ /Year
$ /Year
Years
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Percent Down:
Down Payment $ $ $ $
First Mortgage $ $ $ $
CMHC/GE $ $ $ $
Total Financing $ $ $ $
Monthly P&I $ $ $ $
Expenses $ $ $ $
Total Payment $ $ $ $
Income Required $ $ $ $

This chart is for demonstration purposes only. Always consult a professional financial advisor before making personal financial decisions.

$
%
Years
This calculator is for demonstration purposes only. Always consult a professional financial advisor before making personal financial decisions.
Although the information displayed is believed to be accurate, no warranties or representations are made of any kind.
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At a Glance:
Type: Freehold - Semi-Detached
Area: Niagara
Municipality: St. Catharines
Neighbourhood: 450 - E. Chester
Style: Bungalow-Raised
Lot Size: x 110.20(Feet)
Approximate Age: 31-50
Tax: $3,248.02
Maintenance Fee: $0
Beds: 3+2
Baths: 2
Garage: 0
Fireplace: N
Air Conditioning:
Pool: None
Locatin Map:
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