Updated North-End Bungalow with Finished Basement and Double Driveway

Property details for 12 Garnet Street, St Catharines

Type: Residential
Style: Bungalow
Bedrooms: 2
Bathrooms: 1
Lot Size: 37.7 x 101.5 FT
Stories: 1
Basement: Partially finished, Partial, Crawl space, N/A
Parking: No Garage
Heating: Forced air, Natural gas
Cooling: Central air conditioning
Exterior: Vinyl siding
Ownership: Freehold
Annual Taxes: $2,764 (2026)

That kitchen redo is the first thing you'll notice. White and grey cabinets, granite counters with stainless appliances, and more cupboard space than you'd expect in a bungalow this size. Same story in the bathroom: heated floors, double sinks, fresh cabinetry. Two bedrooms up, one bath, easy-care laminate through the main floor. There's a side entrance that splits to the kitchen or down to the partially finished basement, which has a laundry room and stays dry. You get two driveway spots and a small, manageable yard on a 37.7 by 101.5 foot irregular lot. Forced air gas heat, central air, vinyl siding, block foundation. Taxes run $2,764 a year. Location-wise, you're about 2 km from the Garden City Complex, 2.7 km from Montebello Park, and near schools, shopping, and the QEW. At $450,000, it's priced above the nearby median of $325,400 but under the median sold price of $394,450? No, wait, it's above that too. Either way, it's a solid starter or downsizer in a north-end pocket where homes average 63 days on market.

About 12 Garnet Street, St Catharines — Property Score

Well Priced Great Location

Score: 66/100

Value

Priced 23.7% below area median of $589,900 based on 170 comparable properties nearby 100

Stable pricing - no price changes since original listing date 50

Size

2 bedrooms - 1 fewer than similarly priced 3-bedroom homes nearby 48

1 bathroom - 1 fewer than similarly priced properties nearby 48

3,827 sqft lot - a compact lot for the area 55

Location

$40K median household income - below the Canadian average of $70K 50

66% of residents hold postsecondary credentials - a highly educated neighbourhood 76

52% homeownership rate - a balanced mix of owners and renters 67

68% of residents commute under 30 minutes - excellent commuter accessibility 84

3,278/km² population density - a well-balanced suburban area 97

Market

Just listed - area average is 43 days on market 100

+3.5% median price change over 1 month - rising prices in the area 68

54.9 months of housing supply - 384 active listings with 7 sold last month (buyer's market) 40

Features

2-car garage - area average is 4.3 spots 80

Partially finished, Partial, Crawl space, N/A basement - potential for additional finished space 85

efficient gas forced air heating 80

Central air conditioning - whole-home cooling 90

No premium extras like pool, waterfront, or view 50

Investment

0.61% effective tax rate ($2,764/yr) - below the Canadian average of ~1% 82

-22.1% area price change year-over-year - significant price correction in St Catharines 1

50% renter population - strong rental demand in this area 90

Quality

Condition

Listing

31 photos provided - below the area average of 34 photos 92

6 of 7 key property details provided (86%) - comprehensive listing with excellent detail 86

* This property score is an approximate estimate based on publicly available data, nearby comparable listings, and automated analysis. Scores are for informational purposes only and should not be relied upon as professional appraisals or investment advice. Actual property values may vary. We recommend consulting a licensed real estate professional for accurate assessments.