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446 Geneva Street, St. Catharines, ON L2N 2H3

2 beds · 2 baths · 1 kitchen · 8 rooms · 3 parking spaces · 1500-2000 sq ft · Detached
$590,500
Property tax
$5,048 / year

Great opportunity to own this Lovely Side-split Bungalow. Located at a desired and mature neighbourhood that is less than 4 KMS to Port Dalhousie. This home features a modern Kitchen and Bathroom Renovation. Combination Living Room and Dining is an oasis with a working Wood Fireplace and a Large picturesque glass window overlooking a manicured landscaped backyard; an Ideal room to enjoy having your morning coffee while having the warmth of wood Fireplace, staring at your backyard during the cold days. The fully insulated Family room can be converted back to an indoor Garage or additional Bedroom. It comes with pantry that can be used as bedroom closet. This Family room has an access to backyard through a sliding glass door, it is currently being used as an Office Work Space. The Modern Kitchen was recently renovated with Modern design and ample storage space for all your Kitchen supplies. the Exercise or Hobby room can also be used as additional Bedroom for your guest or friends staying overnight. It has an access to the 3 Pc Bathroom with stand-up shower. On the same level, the Laundry room has Stacked Washer and Dryer with sink. The Furnace room has the access to insulated crawl space and a backyard door(currently locked). The upper level has a 2 good sized Bedrooms with Hardwood floors and updated and modern 4 PC Bath. Huge backyard has an ample space for your outdoor activities This home comes with 2 wood sheds, enough to store all your sports equipments and gardening tools. Furnace is owned and was replaced Feb. 2025, Roof Shingles was replaced March 2021. Kitchen was renovated February 2026 and all laminate floors was done not more than 10 years ago.

MLS number
X13497316
Type
Detached
Status
Active
Bedrooms
2
Bathrooms
2
Postal code
L2N 2H3
Photos
49
Laundry
Not in the unit
77days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

No previous listings found for this address.

Where this property is

Where this address sits, matched against open government data.

Matched to a published address point for this address.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Parnall Public School
DSB Niagara
Elementary587 m8.7 / 10
87% met the standard
Calvary Christian SchoolElementary679 mNot reported
Lincoln Centennial Public School
DSB Niagara
Elementary686 m8.6 / 10
86% met the standard
Our Lady of Fatima Catholic Elementary School
Niagara CDSB
Elementary717 m8.9 / 10
89% met the standard
École élémentaire L'Héritage
CS Viamonde
Elementary973 m8.6 / 10
86% met the standard
Eden High School
DSB Niagara
Secondary994 m8.2 / 10
82% met the standard · 2 of 6 measures
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

The market around this home

Detached houses in St. Catharines2,069 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.

Median sold priceWhat comparable homes actually sold for
$560k$593k$626k20252026this home’s asking price
$613klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
96%98%100%20252026the asking price
98%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d16d33d20252026
22dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in st. catharines. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 421 people.

$95,000Median household income
100%Own their home
100%Detached houses
44Median age
8.5%Born outside Canada
21.9%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35260428 — the few blocks around this address, home to 421 people. It describes the area, not this property.

421Population
44.5Average age
2.6Household size
$106,000Average household income
$95,000Median household income
100%Own their home
0%Rent
0%Condominiums
9%Born outside Canada
22%University degree
$544,000Average home value
5%Low income
59%Not in the labour force
25%Never married
$35,000 to $39,9992%
$40,000 to $44,9992%
$45,000 to $49,9992%
$50,000 to $59,9999%
$60,000 to $69,9994%
$70,000 to $79,9997%
$80,000 to $89,9994%
$90,000 to $99,9999%
$100,000 and over30%
$100,000 to $124,99911%
$125,000 to $149,9997%
$150,000 to $199,9997%
$200,000 and over7%

Percentages are of the 230 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$118,100 · minimum here is $34,050
$2,614.61per month
Borrowed before insurance$472,400
Total borrowed$472,400
Interest over 25 years at 4.5%$311,982

If you rented it out

-$3,035.27per month out of pocket
Rent$0.00
Everything it costs to hold$3,035.27
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by RIGHT AT HOME REALTY. Listing data provided by the Toronto Regional Real Estate Board.