2 Bed, 2 Bath Semi-Detached Home in St. Catharines
About 22 Elm Street
Beautiful 2018-Built Semi-Detached Bungalow with a Finished Basement & Separate Side Entrance! Welcome to this beautifully maintained 2-bedroom semi-detached bungalow offering approximately 1,268 sq. ft. of living space in one of St. Catharines' most desirable neighbourhoods! Built in 2018, this home combines modern construction, functional design, and exceptional versatility, making it an ideal opportunity for first-time homebuyers, growing families, or savvy investors. The professionally finished basement features a separate side entrance and a 2-bedroom in-law/nanny suite, offering excellent potential for extended family living or additional income opportunities, subject to applicable municipal requirements. With its flexible layout and added living space, this property offers outstanding value and versatility. Whether you're looking to enter the real estate market, accommodate extended family, or expand your investment portfolio, this home presents an excellent opportunity in a sought-after St. Catharines location. Don't miss your chance to own this fantastic property with incredible potential! A must-see home offering comfort, flexibility, and investment appeal!
2 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $499 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this semi-detached fits your budget and timing.
Inside 22 Elm St
Every detail from the listing, in one place.
Type
Semi-Detached
Style
Bungalow
Living space
1100-1500 sq ftas stated on the listing
Parking
3 spacesYes garage
Basement
Apartment, Separate Entrance
Features & systems
Parking & garage
Garage
Yes
Parking spaces
3
Interior
Basement
Apartment · Separate Entrance
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Semi-Detached
22 Elm 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® X14108118$549,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 22 Elm 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
$2,697
/mo
based on the purchase price of $549,000
$109,800 cash
$439,200 financed
$369,922 total interest
Principal54%$439,200
Interest46%$369,922
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 $549K.
Average days on market38Homes sold in about 38 days on average.
Sale-to-list ratio96.5%On average, homes sold below asking.
Active listings776Homes for sale here right now.
Median vs prior 90 days0.0%Compared with Apr 26 – Jul 25, 2026.
Based on 557 sales from Jul 25 – Oct 23, 2026 (502 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
22 Elm St is listed at $549,000 (MLS® X14108118). Summitly updates the price as soon as the MLS® record changes.
Is $549,000 a good price for 22 Elm St?
Summitly rates it Excellent Deal: the asking price is 10% or more below 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 22 Elm St changed?
No — 22 Elm St is still listed at its original asking price of $549,000.
How many bedrooms and bathrooms does 22 Elm St have?
22 Elm St has 2 bedrooms and 2 bathrooms, with about 1,100–1,500 square feet of living space. It is a semi-detached home in St. Catharines.
Is 22 Elm St close to transit?
The nearest rapid-transit station is St. Catharines GO Station (Lakeshore West GO), about 3.4 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 22 Elm St?
About $2,697 a month — principal and interest on $549,000 with 20% down ($109,800), 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.
Are there open houses at 22 Elm St?
Yes — Saturday, October 24, 11:00 AM – 1:00 PM; Sunday, October 25, 2:00 PM – 4:00 PM. Open-house times come from the listing brokerage and can change, so check this page before you go, or book a private viewing.
How does 22 Elm St compare with other homes in St. Catharines?
Its asking price of $549,000 is about the same as the median sold price in St. Catharines over the last 90 days, $550,000, across 557 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 22 Elm St been sold before?
Summitly has no earlier MLS® sale or lease of 22 Elm St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 22 Elm St?
22 Elm St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 22 Elm St been on the market?
1 day — 22 Elm St was listed on October 22, 2026.
What is the price per square foot of 22 Elm St?
About $366 to $499 per square foot: the asking price of $549,000 over the 1,100–1,500 sq ft the listing gives as its size range.
