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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, 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 trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 94 days

    28 Charles Avenue

    Facer·St. Catharines, ON·L2M 5S9·Near Facer St/Grantham Ave/Garnet St

    • 4 beds
    St. Catharines real estate›X12807660
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Owner occupied bungalow. Legal inlaw/duplex. Two homes in one. Well maintained clean living space. Many recent upgrades from shingles to kitchen, windows to bathroom. Must be seen to be appreciated. One side has an open concept kitchen, dining and living room, 4 piece bathroom, 2 bedrooms on the main floor plus a high dry basement with a legal 3rd bedroom, rec room, laundry, storage and workshop. Second side has a separate entrance, main floor open concept eat in kitchen with pantry and living room with patio doors to backyard wood deck, 4 piece bathroom plus 2 main floor bedrooms. Lower level has a laundry room plus a large open area with insulated walls and heat, ready to be finished into that rec room, bedrooms, gym, etc. 2 Separate hydro meters, 2 separate hot water tanks, natural gas boiler with 2 heat zones. Private paved 2 car driveway, flag stone walkway, raised gardens, fishpond with water garden, shed. Great neighbours and quiet area. Walk to school, churches, many amenities and only a few minutes to the QEW. Value for your dollar.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    AI highlights by Zara
    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    May 25, 2026SoldSold$540,000−$59,800 (10.0%)X12807734View
    Feb 20, 2026Previously listedSld$599,800 —X12807734View
    Feb 20, 2026ListedCurrentFor sale$599,800 —X12807660This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Radiant
      Air conditioning
      Window Unit(s)
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 28 Charles Avenue
    What's nearby

    Points of interest classified by the MLS® feed.

    • Arts Centre
    • Hospital
    • Place Of Worship
    • Public Transit
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,947
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $284
    0.57% mill rate · ON
    The market

    How this home sits in the St. Catharines market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The St. Catharines market right now

    Average sold price, days on market, and closed-transaction count for St. Catharines — sourced from MLS®.

    • Avg sold price
      $582,123
      Last 30 days
    • Median sold price
      $555,000
      Middle of the market
    • Days on market
      38 d
      Avg from list to close
    • Closed last 30d
      473
      MLS® transactions
    Full St. Catharines market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 28 Charles Avenue — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 28 Charles Avenue and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 28 Charles Avenue listed for?

      28 Charles Avenue is listed at $599,800 on the MLS® (listing X12807660). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 28 Charles Avenue have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. 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.

  1. 2 baths
  2. 1100-1500 sqft
  3. Duplex
  4. Built 51-99
  5. Asking
    $599,800
    $0 / sqft · MLS® X12807660
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $686,905
    $631,953Confidence range$741,858
    Asking vs estimate
    ↓below
    −$87,105
    (-12.7%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 4 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Catharines sell in about 38 days — this one has been listed 94 days.

    Avg sold price
    $582,123
    Median sold
    $555,000
    Avg days on market
    38
    Recently sold
    473
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    Well maintained clean living space.
  7. Many recent upgrades from shingles to kitchen, windows to bathroom.
  8. One side has an open concept kitchen, dining and living room, 4 piece bathroom, 2 bedrooms on the main floor plus a high dry basement with a legal 3rd bedroom, rec room, laundry, storage and workshop.
  9. Second side has a separate entrance, main floor open concept eat in kitchen with pantry and living room with patio doors to backyard wood deck, 4 piece bathroom plus 2 main floor bedrooms.
  10. Ask Zara a follow-up
    Sewer
  11. Parking & garage

    3
    Garage
    None
    Parking spaces
    2
    Driveway
    Private
  12. Interior

    6
    Basement
    Separate Entrance, Full, Development Potential, Walk-Up, Partially Finished
    Family room
    N
    Kitchens
    2
    Total rooms
    2
    Laundry level
    Lower Level
    Accessibility
    N
  13. Exterior & construction

    5
    Exterior
    Stucco (Plaster), Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Block, Concrete
    View
    Garden
    Pool
    None
  14. Lot & land

    2
    Year built
    51-99
    Zoning
    R2
  15. Listing & possession

    3
    Occupancy
    30-59
    Property style
    Bungalow
    Property class
    Duplex
  16. Room-by-room · 4 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    4 rooms
    • Kitchen
      13.7 × 10.5 ft
    • Bedroom
      10.8 × 10.0 ft
    • Living Room
      11.8 × 12.4 ft
    • Bedroom
      9.0 × 8.7 ft
  17. Rec./Commun.Centre
  18. School
  19. Combined estimate
    $3,231
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,947
    /mo
    based on the purchase price of $599,800
    $119,960 cash
    $479,840 financed
    $404,151 total interest
    Monthly payment$2,947/ month
    Principal54%$479,840
    Interest46%$404,151

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable duplexs that just sold in St. Catharines

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 6 Kingsway Crescent
      Sold
      Sign in for price
      6 Kingsway Crescent
      Duplex
    • 184 Cushman Road
      Sold
      Sign in for price
      184 Cushman Road
      Duplex
    • 184 Queenston Street
      Sold
      Sign in for price
      184 Queenston Street
      Duplex
    • 4 Hudson Drive
      Sold
      Sign in for price
      4 Hudson Drive
      Duplex
    • 114 Lake Street
      Sold
      Sign in for price
      114 Lake Street
      Duplex
    AddressBd / BaSqftSold$/sqft% of askSold
    28 Charles AvenueThis home4 / 211,001,500$599,800ask———
    6 Kingsway Crescent4 / 21,500—
    184 Cushman Road5 / 23,000—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More duplexs in St. Catharines

    Active listings within ±20% of this asking price.

    • 153 Lake Street
      $489,900
      153 Lake Street
      Duplex 3 2
    • 4 Kirk Street
      $599,000
      4 Kirk Street
      Duplex 3 2
    • 73 Hillview Road
      $549,900
      73 Hillview Road
      Duplex 4 2
    • 54 Chestnut Street
      $715,000
      54 Chestnut Street
      Duplex 5 2
    • 99 Page Street
      $499,000
      99 Page Street
      Duplex 4 2
    • 29 Rodman Street
      $499,000
      29 Rodman Street
      Duplex 3 2
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  20. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  21. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  22. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  23. Public listing courtesy of RE/MAX GARDEN CITY REALTY INC, BROKERAGE · displayed on Summitly per MLS® data-share rules

    28 Charles Avenue is a 4-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  24. When was 28 Charles Avenue built?

    28 Charles Avenue was built in 51-99. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  25. What is the property tax for 28 Charles Avenue?

    The 'Property tax' tab in the History section shows the most recent annual tax for 28 Charles Avenue plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  26. How much would the monthly mortgage be on 28 Charles Avenue?

    The affordability calculator on this page shows an estimated monthly mortgage for $599,800 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  27. Has 28 Charles Avenue been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 28 Charles Avenue with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  28. What neighbourhood is 28 Charles Avenue in?

    28 Charles Avenue is in Facer, St. Catharines. The 'Neighbourhood' section below links to the live St. Catharines real estate hub with average sold price, days on market, and current inventory.

  29. Is St. Catharines a good place to live?

    St. Catharines is one of ON's actively-tracked Summitly markets. The full St. Catharines real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  30. 184 Queenston Street
    5 / 3
    2,000
    —
    4 Hudson Drive3 / 2700—
    114 Lake Street4 / 21,100—