Move in just in time before Christmas! 5 things you'll love about this 5 Bed, 2 Bath Raised Bungalow at this price point. 1 Location, location, location, prime north end St.Catherines neighbourhood close to all possible amenities. 2. Zero water or sewage damage from this summer, house is flood free. 3. In-law capabilities with separate entrance off side patio to the lower level. 5th bedroom can be converted back to Rec Room or use as is. 4.Concrete driveway 3 cars wide to fit all the family vehicles, with room to store your boat/trailer, or jet skis. 5. Total turn key with nothing to do but move in and enjoy. Hard surface flooring throughout with no carpet. Main floor consists of a spacious open concept feel with upgraded kitchen, roomy living room & dining room. 3 spacious bedrooms and 4 pc. bathroom. Lower level consists of separate side entrance, 2 large bedrooms (5th bedroom converted from Rec Room , can also be used as a Rec Room again if a 5th bedroom is not needed. Large laundry room with room to add kitchen if desired. Private backyard is fully fenced with a 12'x 18' deck with Gazebo stepping down to another 12'x18' paver stone patio. House is a pleasure to view, fully updated inside and out you wont be disappointed!
3 bedrooms, 2 bathrooms, about 700 sq ft, works out to roughly $999 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 105 Elma St
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow-Raised
Living space
700-1100 sq ftas stated on the listing
Lot size
100 x 50
Parking
5 spacesYes garage
Basement
Finished, Full
Features & systems
Parking & garage
Garage
Yes
Parking spaces
5
Interior
Basement
Finished · Full
Lot & land
Lot dimensions
100 x 50
Lot size (sqft)
0
Listing & possession
Property style
Bungalow-Raised
Property class
Detached
105 Elma St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14120486$699,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 105 Elma St Compares to the St. Catharines Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$3,434
/mo
based on the purchase price of $699,000
$139,800 cash
$559,200 financed
$470,993 total interest
Principal54%$559,200
Interest46%$470,993
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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 Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in St. Catharines
Other 3-bed homes for sale in St. Catharines around $699K.
Average days on market38Homes sold in about 38 days on average.
Sale-to-list ratio96.4%On average, homes sold below asking.
Active listings758Homes for sale here right now.
Median vs prior 90 days0.0%Compared with Apr 30 – Jul 29, 2026.
Based on 575 sales from Jul 29 – Oct 27, 2026 (503 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 105 Elma St
How much is 105 Elma St listed for?
105 Elma St is listed at $699,000 (MLS® X14120486). Summitly updates the price as soon as the MLS® record changes.
Is $699,000 a good price for 105 Elma St?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in St. Catharines. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 105 Elma St changed?
No — 105 Elma St is still listed at its original asking price of $699,000.
How many bedrooms and bathrooms does 105 Elma St have?
105 Elma St has 3 bedrooms and 2 bathrooms, with about 700–1,100 square feet of living space. It is a detached home in St. Catharines.
How much would the monthly mortgage be on 105 Elma St?
About $3,434 a month — principal and interest on $699,000 with 20% down ($139,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 105 Elma St compare with other homes in St. Catharines?
Its asking price of $699,000 is about 27% above the median sold price in St. Catharines over the last 90 days, $550,000, across 575 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 105 Elma St been sold before?
Summitly has no earlier MLS® sale or lease of 105 Elma St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 105 Elma St?
105 Elma St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 105 Elma St been on the market?
105 Elma St was listed today (October 27, 2026).
What is the price per square foot of 105 Elma St?
About $635 to $999 per square foot: the asking price of $699,000 over the 700–1,100 sq ft the listing gives as its size range.
Does 105 Elma St have parking or a garage?
Yes — the listing gives 5 parking spaces. Garage: Yes.
Does 105 Elma St have a basement, and is it finished?
The listing describes the basement as: Finished, Full.
