DetachedListed yesterday

490 Niagara St, St. Catharines

Name: 490 Niagara Street
SKU: X14113496
Price: 609900 CAD
Availability: InStock

St. Catharines, ON · · MLS® X14113496Updated October 23, 2026

$609,900Est. $2,996/mo mortgage

Bedrooms: 3
Bathrooms: 2
Living space: 1100–1500sq ft
Parking spaces: 6

Type Detached
Garage Yes
Basement Full, Partially Finished

What you should know

490 Niagara St is a 3-bedroom, 2-bathroom detached home in St. Catharines, listed for $609,900. It has 1100-1500 sq ft of living space.

Sitting on a good size irregular shaped lot (87ft x 150ft), this solid brick sidesplit boasts nearly 2,400sqft of living space including all four levels, plus a 3-season sunroom in the rear, and a double attached garage.
Overabundance of storage in the new kitchen cabinets, lots of counter space with quality quartz countertops.
Basement has a rec room with wood burning fireplace, and a utility/laundry room.

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3 Bed, 2 Bath Detached Home in St. Catharines

About 490 Niagara Street

Incredible family home in North End St Catharines. Sitting on a good size irregular shaped lot (87ft x 150ft), this solid brick sidesplit boasts nearly 2,400sqft of living space including all four levels, plus a 3-season sunroom in the rear, and a double attached garage. Main floor is a functional design. Front facing living room with huge windows, formal dining leading into the kitchen. Overabundance of storage in the new kitchen cabinets, lots of counter space with quality quartz countertops. Upper level holds 3 good size bedrooms, each with large closets and windows. 3-piece bathroom with accessible shower. Lower level has a workshop room with an ensuite 3-piece bathroom. Another large room - which could be a 4th bedroom, family room or office. Basement has a rec room with wood burning fireplace, and a utility/laundry room. The lower level has separate entrance through a walk-up into the rear sunroom. This could be a functional space for in-law suite or separate unit. Amazing house layout provides some excellent potential for future usages/conversions or flexible living arrangements. 100AMP breakers. Sump pump. Forced air gas furnace & AC. HWT-Gas. Water Filtration System. Gutter leaf guards on eaves. Fully rear fenced yard. Harvest your own vegetables in the garden, and enjoy fresh fruit from 2 cherry trees in the front, and a mature apple tree in the rear yard.

3 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $554 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 490 Niagara St

Every detail from the listing, in one place.

Type: Detached
Style: Sidesplit 4
Living space: 1100-1500 sq ftas stated on the listing
Parking: 6 spacesYes garage
Basement: Full, Partially Finished

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 6

Interior

Basement: Full · Partially Finished

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: Sidesplit 4
Property class: Detached

490 Niagara St Price & Sale History

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

Oct 23, 2026For saleListedThis listingMLS® X14113496$609,900

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

What's it worth?

How 490 Niagara 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

Fair Price· based on 1,050 recent sales

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

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

St. Catharines market, last 90 days

Median sold price: $549,550
Average sold price: $601,537
Average days on market: 38
Homes sold: 574

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.

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Home	Sold price	$ / sqft	% of asking	Sold
This home490 Niagara Street 3 bd · 2 ba · 1,100 sqft	$609,900asking	$554	—	—
2A Dixie Road 4 bd · 3 ba · 1,500 sqft
7 Elmwood Avenue 3 bd · 1 ba · 700 sqft
3 Fosh Court 3 bd · 3 ba · 2,000 sqft
17 Joanna Drive 3 bd · 2 ba · 1,100 sqft
43 Ghent Street 3 bd · 2 ba · 700 sqft
7 Philpark Road 3 bd · 2 ba · 1,100 sqft

2A Dixie Road
4 bd · 3 ba · 1,500 sqft
7 Elmwood Avenue
3 bd · 1 ba · 700 sqft
3 Fosh Court
3 bd · 3 ba · 2,000 sqft
17 Joanna Drive
3 bd · 2 ba · 1,100 sqft
43 Ghent Street
3 bd · 2 ba · 700 sqft
7 Philpark Road
3 bd · 2 ba · 1,100 sqft

Living in St. Catharines: Location & Amenities

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Costs, Mortgage & Rental Return for 490 Niagara St

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

Mortgage: $2,996; 20% down · 25 years · 5.5% assumed
Property tax: $335; 0.66% mill rate · ON
Total per month: $3,331; Before utilities, insurance and fees

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

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Monthly cost

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Down payment

Rate (%)

Years

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

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Estimated monthly payment

$2,996

/mo

based on the purchase price of $609,900

Down payment20%

$121,980 cash

Amortization25 yr

$487,920 financed

Rate5.50%

$410,957 total interest

Principal54%$487,920

Interest46%$410,957

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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Listing brokerage: COLDWELL BANKER ADVANTAGE REAL ESTATE INC, BROKERAGEMLS® X14113496 · Listing data last updated October 23, 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 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.

For sale· listed Oct 22· $554/sq ft

Estimated monthly mortgage$2,996/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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