12 McGhie St is a 3-bedroom, 2-bathroom detached home in St. Catharines, listed for $499,000. It has 700-1100 sq ft of living space.
1The enclosed front porch, with its wood-plank ceiling and wall of windows, makes a bright spot for morning coffee, and the long concrete driveway leads back to a detached garage.
2Outside, the fully fenced backyard has a fire pit area and room for the barbecue.
3With the detached garage and a driveway that fits four, there is parking for five.
This three-bedroom bungalow sits in a walkable pocket of Downtown St. Catharines, close to the city's theatres, restaurants, farmers' market and everyday errands. The enclosed front porch, with its wood-plank ceiling and wall of windows, makes a bright spot for morning coffee, and the long concrete driveway leads back to a detached garage. Inside, a leaded-glass front door opens to an open living and dining space under tray ceilings with pot lights, with carpet-free vinyl plank flooring throughout the main level. The kitchen has white shaker cabinets, butcher block counters, a mosaic tile backsplash, a stainless dishwasher and an island with a cooktop and seating. All three bedrooms are on the main floor, including the primary, next to a 4-piece bath. A rear mudroom gives you a back entry and a place to drop boots and bags. Downstairs, the finished rec room works for movie nights or a home office, with a 3-piece bath, a laundry room and a large storage room that holds the utilities. Outside, the fully fenced backyard has a fire pit area and room for the barbecue. With the detached garage and a driveway that fits four, there is parking for five. Gas forced-air heat and municipal services make for easy ownership. Multiple schools are close by, and bus routes, neighbourhood parks and the St. Catharines GO and VIA station are all within a short trip.
3 bedrooms, 2 bathrooms, about 700 sq ft, works out to roughly $713 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 12 McGhie St
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
700-1100 sq ftas stated on the listing
Parking
5 spacesYes garage
Basement
Full, Finished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
5
Interior
Basement
Full · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Detached
12 McGhie 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® X14134498$499,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 12 McGhie St Compares to the St. Catharines Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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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
$2,451
/mo
based on the purchase price of $499,000
$99,800 cash
$399,200 financed
$336,231 total interest
Principal54%$399,200
Interest46%$336,231
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.
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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 2–4 bed homes for sale in St. Catharines around $499K.
Average days on market39Homes sold in about 39 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 days+0.4%Compared with May 4 – Aug 2, 2026: prices up.
Based on 536 sales from Aug 2 – Oct 31, 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 12 McGhie St
How much is 12 McGhie St listed for?
12 McGhie St is listed at $499,000 (MLS® X14134498). Summitly updates the price as soon as the MLS® record changes.
Is $499,000 a good price for 12 McGhie 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 12 McGhie St changed?
No — 12 McGhie St is still listed at its original asking price of $499,000.
How many bedrooms and bathrooms does 12 McGhie St have?
12 McGhie 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 12 McGhie St?
About $2,451 a month — principal and interest on $499,000 with 20% down ($99,800), 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 12 McGhie St compare with other homes in St. Catharines?
Its asking price of $499,000 is about 10% below the median sold price in St. Catharines over the last 90 days, $556,000, across 536 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 12 McGhie St been sold before?
Summitly has no earlier MLS® sale or lease of 12 McGhie St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 12 McGhie St?
12 McGhie St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 12 McGhie St been on the market?
1 day — 12 McGhie St was listed on October 30, 2026.
What is the price per square foot of 12 McGhie St?
About $454 to $713 per square foot: the asking price of $499,000 over the 700–1,100 sq ft the listing gives as its size range.
Does 12 McGhie St have parking or a garage?
Yes — the listing gives 5 parking spaces. Garage: Yes.
Does 12 McGhie St have a basement, and is it finished?
The listing describes the basement as: Full, Finished.
