Loading neighbourhood intel…

$750K · 3 bed Detached · 442 - Vine/Linwell, St. Catharines | MyPropertyScout

$749,900

628 Vine Street

32OwnerOccupied

Map

$749,900

F●●●○○DOM44days

628 Vine Street

St. Catharines · Ontario L2M 3V5

MLS® X13114342 · 442 - Vine/Linwell · L2M 3V5

32OwnerOccupied700-1100 ft²Detached3-car Attached44d$833/ft²Lot 132.9 x 46.6 ft$4,402 tax/yr

17% above market · 44 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to this beautifully maintained North-end St. Catharines side-split, ideally located just minutes from Lake Ontario, Sunset Beach, scenic trails, parks, shopping, and top-rated schools. This home offers the perfect balance of comfort, lifestyle, and convenience for families and downsizers alike. Lovingly cared for by the same family for nearly 40 years, pride of ownership is evident throughout. The bright open-concept main floor creates a warm and inviting space where everyday living and…

Reserved · coming next

MyPropertyScout exclusive

Reserve your Home Buyers Package

Could save you thousands on this purchase — closing strategy, negotiation & rebate.

MyStreetValue™ Analysis

Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →

Property details

MLS#: X13114342
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 700-1100
Style: Sidesplit
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Concrete
Other structures: Fence - Full, Garden Shed
Property features: Park, Public Transit, School

Fireplaces: 2
Fireplace features: Electric, Living Room, Wood, Rec Room

Garage: 3-car Attached
Garage spaces: 3
Parking: 7 total
Lot: 132.93 × 46.59
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Stucco (Plaster)
Fronting on: East
Cross street: Vine Street/Lakeshore Road
Basement: Finished, Finished with Walk-Out
Stories: —
Utilities: —
Laundry: —
Interior: Water Heater Owned
Parking features: Circular Drive, Private Triple

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Living Room	3.43m × 6.02m
Main	Dining Room	2.69m × 2.77m
Main	Kitchen	2.69m × 3.1m
Second	Bedroom	3.05m × 2.72m
Second	Bedroom 2	2.87m × 2.62m
Second	Primary Bedroom	4.06m × 2.72m
Second	Bathroom	1.91m × 2.46m
Basement	Recreation	4.72m × 5.44m
Basement	Bathroom	1.52m × 2.72m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: BOLDT REALTY INC., BROKERAGE

Source: TRREB/PROPTX · MLS® X13114342

Do you own a home in St. Catharines?

Find out what it's worth — and what you'd walk away with after mortgage, commission and fees.

Get My StreetValue™ →

$750K

628 Vine Street · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $749,900✓ $4,402 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,681/mo

incl. closing costs (yr 1)

Annual total

$68,172

year 1

Mortgage only

$2,845/mo

principal + interest

Beyond mortgage

$1,422/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$149,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$367/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$7,499/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $34,139/yr

Property taxes23% $15,875/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,499/yr

Closing costs7% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$34,139	$2,845/mo
Government & taxes
Property tax	$4,402	$367/mo
Land transfer tax(closing)	$11,473	$956/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,499	$625/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$68,172	$5,681/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

Unlock Insider Deals

Sign in

628 Vine Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

Request a Showing

Request a Showing

Annual costs