12 Vera Street, St. Catharines, ON

$495,999
MLS#:X13416490
3 beds
1 baths
700-1100 sqft
2.0 parking
Residential Freehold
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Added:Jun 8, 2026(86 days ago)
Updated:Jun 13, 2026(81 days ago)
Last Checked:6 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Western Hill. Expertly crafted featuring premium brick and stucco (plaster) construction, this residence presents an exceptional opportunity offered at $495,999 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 700-1100 sqft on a premium 35 x 105 ft lot
  • Features a partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Carpet Free, In-Law Capability, Water Softener
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

REDUCED - Charming, detached bungalow situated on a well-proportioned 35 ft x 105 ft fully fenced lot in a desirable, family-friendly neighbourhood. This inviting home offers 3+1 bedrooms, one full bathroom, a separate entrance to the lower level, and a rough-in for a lower-level bath, providing excellent in-law suite or income potential. Recently refreshed with many thoughtful upgrades, the home has been professionally painted throughout, including the kitchen cabinets, and features new hardware and updated flooring in the kitchen, creating a bright and welcoming space for everyday living. Enjoy effortless outdoor living in the private rear yard featuring a stone patio and powered garden shed, perfect for entertaining. The fully fenced yard is ideal for kids and pets, offering a safe and enjoyable outdoor space. Notable updates include a renovated bathroom (2024), windows and roof (2011), Gutter Guard system, newer furnace, and water softener. Additional features include hardwood flooring throughout, central air, and central vacuum, making this a move-in-ready home designed to provide years of enjoyment with no costly updates needed. Ideally located directly across from West Park, home to soccer fields, a brand-new splash pad, playground, and the Niagara Olympic Club, making it an excellent location for active families. Situated within a school district and minutes to highway access, shopping, trails, recreation facilities, and public transit. Commuters will appreciate being just a short drive from the upcoming GO Station offering future routes to Toronto. With Brock University approximately 3.6 km away, this property also offers strong appeal for investors. A well-maintained home with exceptional value - this one won't last!

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Property Summary

This detached home located at 12 Vera Street, St. Catharines is currently for sale and has been available on SousaSells for 86 days. This property is listed at $495,999 with an estimated mortgage of $1,651* per month. It has 3 beds, 1 bathroom, and is 700-1100 square feet. 12 Vera Street, St. Catharines is in the Western Hill neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 1 bathroom, this home offers ample space and comfort for growing families in Western Hill, St. Catharines.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •700-1100 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in St. Catharines.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedJun 8, 2026 (86 days ago)
UpdatedJun 13, 2026 (81 days ago)
Last Checked6 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick, Stucco (Plaster)
BasementPartially Finished
Lot Size35 Ă— 105 Feet
CountyNiagara
Annual Tax$3,073
Legal DescriptionLT 246 TP PL 94 GRANTHAM; S/T EXECUTION 03-00033, IF ENFORCEABLE; S/T EXECUTION 03-00034, IF ENFORCEABLE; ST. CATHARINES

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Carpet Free
  • In-Law Capability
  • Water Softener

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 12 Vera Street, St. Catharines, ON

Q.What is the asking price for 12 Vera Street, St. Catharines, ON ?

The current listing price for 12 Vera Street, St. Catharines, ON in Western Hill, St. Catharines is $495,999.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 1 bathroom across approximately 700-1100 sqft.

Q.What property type and architectural style is 12 Vera Street, St. Catharines, ON ?

12 Vera Street, St. Catharines, ON is a Detached (Bungalow) featuring a Partially Finished basement.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free, In-Law Capability, Water Softener.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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12 Vera Street, St. Catharines, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Western Hill, St. Catharines

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 12 Vera Street, St. Catharines, ON L2S 1C4

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

Configure Loan Settings

Interest Rate4.00%
Down Payment$148,800 (30.0%)
* Minimum Canadian down payment required for this price is $24,800.
Amortization Period30 Years
Estimated Monthly Payment$1,651Based on a loan of $347,199 over 30 years.
Purchase Price$495,999
Loan Amount$347,199
Provincial Land Transfer Tax:$6,395
Total Estimated Closing Taxes:$6,395

About Purchasing a Home in St. Catharines, ON

For a property listed at $495,999 in St. Catharines, the legal minimum down payment is $24,800 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $6,395 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,395.

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Western Hill, St. Catharines Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Western Hill, St. Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$537,815

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Western Hill, St. Catharines

Elementary Schools

St Anthony
Public81 Rykert Street, St. Catharines, Ontario, L2S 1Z2
6.3
Edith Cavell
Public1 Monck Street, St. Catharines, Ontario, L2S 1L5
8.1
Westdale
PublicWestdale Drive, St. Catharines, Ontario, L2S 2B4
9.3
Oakridge
PublicOakridge Avenue, St. Catharines, Ontario, L2T 3R7
9.6
St Peter
Public7 Aberdeen Circle, St. Catharines, Ontario, L2T 2B7
7.5

Secondary Schools

No secondary schools data loaded.

Western Hill, St. Catharines Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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