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442 - Vine/Linwell, St. Catharines
$649,900
Welcome to 9 Ghent Street, ideally located in St. Catharines' sought-after north end, close to shopping, schools, parks, restaurants, everyday amenities and with quick highway access. This beautifully updated home blends warmth, character and functionality, featuring a four-car concrete driveway, inviting front porch with powder-coated aluminum railing, striking red pine bump-out, insulated double garage with lighting and automatic door, and a spacious breezeway with access to the garage, home and fenced yard with private side garden. Inside, the renovated main level showcases beautiful attention to detail including custom Tudor-style trim, rich walnut accents, pot lighting and a custom walnut display cabinet. The kitchen offers custom cabinetry with wood inserts, soft-close doors, crown moulding, undermount double farmhouse sink, black soapstone countertops, porcelain subway tile, under-cabinet lighting and stainless steel appliances. Three generous bedrooms feature California shutters, great closet space and newer windows. The updated 4-piece bath includes a custom walnut vanity, shelving and mirror, glass shower enclosure, porcelain flooring and ceramic tiled walls. Walnut railings and oak stairs lead to the fully finished lower-level in-law suite with separate laundry and storage, 2026 vinyl flooring with DRICORE subfloor system, full kitchen with stainless steel appliances and a 2-inch live-edge maple countertop. The living room comes equipped with a Napoleon electric fireplace, spacious bedroom and beautifully finished bath. Major updates include roof and windows (2020), redone electrical, clay pipe under basement floor replaced with PVC, basement fully insulated with Roxul Safe'n'Sound (2024), owned hot water tank, furnace, AC and basement waterproofing with Delta wrap for added peace of mind. A truly move-in-ready home offering quality finishes, thoughtful updates and exceptional flexibility for families or multi-generational living!
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 51-99 |
| Size | 700-1100 sq. ft. |
| Property Tax | $4,928 |
| Lot Size | 65.53 ft x 118.15 ft |
| mls© Number | X14081886 |
| Listed By | RE/MAX NIAGARA REALTY LTD, BROKERAGE |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,326
- Property tax
- $411
- Heat allowance
- $150
- Housing costs
- $3,887 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$120,000
gross annual household income
- Payment at 4%
- $2,735 / mo
- Cash down
- $129,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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