How much is 120 Elma St listed for?

120 Elma St is listed at $419,900 (MLS® X13876822). Summitly updates the price as soon as the MLS® record changes.

Is $419,900 a good price for 120 Elma St?

Summitly rates it Above Market: the asking price is 5% to 15% 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.

Has the price of 120 Elma St changed?

No — 120 Elma St is still listed at its original asking price of $419,900.

How many bedrooms and bathrooms does 120 Elma St have?

120 Elma St has 3 bedrooms and 2 bathrooms, with about 700–1,100 square feet of living space. It is a semi-detached home in St. Catharines.

Is 120 Elma St close to transit?

The nearest rapid-transit station is St. Catharines GO Station (Lakeshore West GO), about 4.2 km in a straight line. Distances are straight-line, not walking routes; check the transit agency for routes and schedules.

How much would the monthly mortgage be on 120 Elma St?

About $2,063 a month — principal and interest on $419,900 with 20% down ($83,980), 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 120 Elma St compare with other homes in St. Catharines?

Its asking price of $419,900 is about 24% below the median sold price in St. Catharines over the last 90 days, $556,000, across 592 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 120 Elma St been sold before?

Summitly has no earlier MLS® sale or lease of 120 Elma St on record from the last two years. Older records aren't shown under TRREB rules.

Where is 120 Elma St?

120 Elma St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.

How long has 120 Elma St been on the market?

120 Elma St was listed today (October 8, 2026).

What is the price per square foot of 120 Elma St?

About $382 to $600 per square foot: the asking price of $419,900 over the 700–1,100 sq ft the listing gives as its size range.

Does 120 Elma St have parking or a garage?

Yes — the listing gives 2 parking spaces.

For saleAbove Market

Semi-DetachedListed today

120 Elma St, St. Catharines

Name: 120 Elma Street
SKU: X13876822
Price: 419900 CAD
Availability: InStock

St. Catharines, ON · · MLS® X13876822Updated October 8, 2026

$419,900Est. $2,063/mo mortgage

Bedrooms: 3
Bathrooms: 2
Living space: 700–1100sq ft
Parking spaces: 2

Type Semi-Detached
Basement Partially Finished

What you should know

120 Elma St is a 3-bedroom, 2-bathroom semi-detached home in St. Catharines, listed for $419,900. It has 700-1100 sq ft of living space.

This semi-detached raised bungalow is well-located in a great north end family neighbourhood near excellent schools and parks.
Main level features convenient layout with 3 bedrooms, 4 piece bath, eat-in kitchen and open concept L-shaped living & dining area.
The basement adds extra living area with a rec room, 2 piece bath with shower rough-in plus large utility room/workshop for the handyman in the family.

Ask Zara:Is there an offer date?What would the monthly costs be?What's nearby?

3 Bed, 2 Bath Semi-Detached Home in St. Catharines

About 120 Elma Street

This semi-detached raised bungalow is well-located in a great north end family neighbourhood near excellent schools and parks. Main level features convenient layout with 3 bedrooms, 4 piece bath, eat-in kitchen and open concept L-shaped living & dining area. The basement adds extra living area with a rec room, 2 piece bath with shower rough-in plus large utility room/workshop for the handyman in the family. Furnace & A/C have been replaced in the last 5 years. Add your updates & TLC to this solid family home in a quiet & accessible location near highways and shopping.

3 bedrooms, 2 bathrooms, about 700 sq ft, works out to roughly $600 per square foot. Chat with Zara if you'd like a deeper read on whether this semi-detached fits your budget and timing.Ask Zara a follow-up

Inside 120 Elma St

Every detail from the listing, in one place.

Type: Semi-Detached
Style: Bungalow-Raised
Living space: 700-1100 sq ftas stated on the listing
Parking: 2 spaces
Basement: Partially Finished

Features & systems

Parking & garage

Parking spaces: 2

Interior

Basement: Partially Finished

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: Bungalow-Raised
Property class: Semi-Detached

120 Elma St Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Oct 8, 2026For saleListedThis listingMLS® X13876822$419,900

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 120 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.

Zara’s estimate

Above Market· based on 1,056 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from PropTx, the MLS® or the listing brokerage. Not an appraisal. How it works

St. Catharines market, last 90 days

Median sold price: $556,000
Average sold price: $604,715
Average days on market: 37
Homes sold: 592

Closed sales on the TRREB MLS®.

Full St. Catharines market report

Recently sold nearby in St. Catharines

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

See what these homes actually sold for

Free with a Summitly account. Sign in once and sold prices unlock across the site.

Home	Sold price	$ / sqft	% of asking	Sold
This home120 Elma Street 3 bd · 2 ba · 700 sqft	$419,900asking	$600	—	—
70 Oxford Street 3 bd · 1 ba · 700 sqft
37 Elma Street 3 bd · 2 ba · 700 sqft
14 Hill Park Lane 3 bd · 1 ba · 1,100 sqft
260 St. Paul Street 3 bd · 1 ba · 1,100 sqft
10 Maria Street 3 bd · 2 ba · 1,500 sqft
27 Canterbury Drive 3 bd · 2 ba · 700 sqft

70 Oxford Street
3 bd · 1 ba · 700 sqft
37 Elma Street
3 bd · 2 ba · 700 sqft
14 Hill Park Lane
3 bd · 1 ba · 1,100 sqft
260 St. Paul Street
3 bd · 1 ba · 1,100 sqft
10 Maria Street
3 bd · 2 ba · 1,500 sqft
27 Canterbury Drive
3 bd · 2 ba · 700 sqft

Living in St. Catharines: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

How long is your commute?

From 120 Elma St. Typical times without traffic delays; transit times aren't available yet.

Costs, Mortgage & Rental Return for 120 Elma St

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $2,063; 20% down · 25 years · 5.5% assumed
Property tax: $231; 0.66% mill rate · ON
Total per month: $2,294; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from PropTx or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

Enter a rate to see the monthly cost

Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$2,063

/mo

based on the purchase price of $419,900

Down payment20%

$83,980 cash

Amortization25 yr

$335,920 financed

Rate5.50%

$282,933 total interest

Principal54%$335,920

Interest46%$282,933

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 PropTx 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 PropTx 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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Listing brokerage: RE/MAX NIAGARA REALTY LTD, BROKERAGEMLS® X13876822 · Listing data last updated October 8, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

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 PropTx, 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.

For sale· listed Oct 7· $600/sq ft

Estimated monthly mortgage$2,063/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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120 Elma St, St. Catharines

What you should know