540 Niagara St is a 2-bedroom, 1-bathroom detached home in St. Catharines, listed for $599,000. It has 700-1100 sq ft of living space.
1The bright and inviting interior features an oversized livingarea with updated flooring and a cozy gas fireplace.
2The renovated kitchen showcases quartz countertops, stainless steel appliances and modern lighting, with convenient access to a bright three-season sunroom.
3The oversized driveway offers parking for 5+ vehicles.
Welcome to 540 Niagara Street, a beautifully renovated, move-in-ready bungalow. Offering 2+1 bedrooms and 2 bathrooms, this charming home has undergone extensive updates, allowing you to settle in and enjoy from day one. The bright and inviting interior features an oversized livingarea with updated flooring and a cozy gas fireplace. The renovated kitchen showcases quartz countertops, stainless steel appliances and modern lighting, with convenient access to a bright three-season sunroom. The main floor offers a spacious primary bedroom with double closets, an additional bedroom and a flexible dining space that can easily be converted back into a third main-floor bedroom. The fully finished lower level adds incredible versatility, featuring agenerous recreation room, additional bedroom, office space, bathroom and laundry area. Step outside to enjoy the beautifully landscaped property, complete with mature trees, an expansive green space and a private courtyard-style entertaining area featuring lounge seating, a bararea and a unique serving window connecting to the detached garage. The oversized driveway offers parking for 5+ vehicles. All appliances, furnace, central air conditioning and water heater are owned and were replaced in 2024, along with updates to the siding, eavestroughs, asphalt driveway and exterior deck spaces. Situated on an impressive 72 x 163 ft pool-size lot, this home offers the perfect combination of modern updates, functional living space and exceptional outdoor enjoyment. A fantastic opportunity for first-time buyers, downsizers orfamilies looking for a turnkey home in a convenient North End location. Simply move in and enjoy!
2 bedrooms, 1 bathroom, about 700 sq ft, works out to roughly $856 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 540 Niagara St
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
700-1100 sq ftas stated on the listing
Parking
6 spacesYes garage
Basement
Full, Finished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
6
Interior
Basement
Full · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Detached
540 Niagara 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® X14182352$599,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 540 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.
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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
$2,943
/mo
based on the purchase price of $599,000
$119,800 cash
$479,200 financed
$403,612 total interest
Principal54%$479,200
Interest46%$403,612
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 $599K.
Average days on market40Homes sold in about 40 days on average.
Sale-to-list ratio96.2%On average, homes sold below asking.
Active listings705Homes for sale here right now.
Median vs prior 90 days+1.1%Compared with May 19 – Aug 17, 2026: prices up.
Based on 534 sales from Aug 17 – Nov 15, 2026 (507 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 540 Niagara St
How much is 540 Niagara St listed for?
540 Niagara St is listed at $599,000 (MLS® X14182352). Summitly updates the price as soon as the MLS® record changes.
Is $599,000 a good price for 540 Niagara 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 540 Niagara St changed?
No — 540 Niagara St is still listed at its original asking price of $599,000.
How many bedrooms and bathrooms does 540 Niagara St have?
540 Niagara St has 2 bedrooms and 1 bathroom, 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 540 Niagara St?
About $2,943 a month — principal and interest on $599,000 with 20% down ($119,800), 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 540 Niagara St compare with other homes in St. Catharines?
Its asking price of $599,000 is about 7% above the median sold price in St. Catharines over the last 90 days, $560,000, across 534 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 540 Niagara St been sold before?
Summitly has no earlier MLS® sale or lease of 540 Niagara St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 540 Niagara St?
540 Niagara St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 540 Niagara St been on the market?
1 day — 540 Niagara St was listed on November 14, 2026.
What is the price per square foot of 540 Niagara St?
About $545 to $856 per square foot: the asking price of $599,000 over the 700–1,100 sq ft the listing gives as its size range.
Does 540 Niagara St have parking or a garage?
Yes — the listing gives 6 parking spaces. Garage: Yes.
Does 540 Niagara St have a basement, and is it finished?
The listing describes the basement as: Full, Finished.
