
38 Spruce Street
St. Catharines (Downtown), ON L2R 1B5
- 2Bedrooms
- 1Bathroom
- 1Garage
- 700–1100Sq Ft
- $3,390Tax
- 36×100 ftLot Size
- Estimated Value:$360,000See Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 38 Spruce Street, St. Catharines, Downtown
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2026-08-13 | 2026-08-28 | Login to See Prices | Sold | x13673534 |
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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.
About 38 Spruce Street, St. Catharines, Downtown
Summarized Description
- Charming 1940s bungalow with original character.
- Private lot ideal for families and gatherings.
- Detached garage provides secure parking.
- Partially finished basement for additional space.
- Large attic offers potential for a loft.
- Located in a quiet cul de sac.
- Convenient access to transit and amenities.
- Perfect for first-time buyers or investors.
Welcome to 38 Spruce Street. This 1940s bungalow is tucked away on a quiet cul de sac in a convenient St. Catharines location. Set on a private lot in a peaceful residential setting, this is a home that offers a comfortable place to settle in today while providing plenty of opportunity for the future. Step through the front door and you are welcomed into a large living room with plenty of space for comfortable everyday living. The home retains much of its original character, including an abundance of original millwork that adds warmth, charm and detail you simply do not find in many newer homes. The main floor continues with two bedrooms and one full bathroom, offering a practical layout that works well for a young family, downsizer or first time buyer, while leaving room to make improvements and add your own personal touches over time. A large attic provides excellent additional storage and offers exciting potential for those looking to create a cozy loft space. The full basement is partially finished and adds another level of usable space for a recreation room, workshop, hobbies, storage or future improvements. Outside, the private lot offers a quiet place for children to play, for family gatherings or simply to enjoy some time outdoors. The detached garage with hydro is another valuable feature, providing secure parking and additional space for tools, equipment, storage or hobbies. For an investor, the combination of a desirable residential setting, practical bungalow layout, private lot, detached garage and unfinished potential throughout the home creates an opportunity to add value over time. For a first time buyer or young family, it offers the chance to get into a well established neighbourhood and make the home their own. The location adds to the appeal, with easy access to public transit, major highways, parks, schools, shopping and everyday amenities.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,390
- Land Transfer Tax Fee
- $4,324
Rental Items
- Rental Equipment
- Water Heater
- Basement Type
- Full
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- In-Law Capability, Water Heater
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Pool
- None
- Property Features
- Place Of Worship, School, Park, Library, School Bus Route, Public Transit
Building
- Building Type
- Detached
- Building Style
- Bungalow
- Approx Age
- 51-99
Construction
- Exterior Finish
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete Block
- Special Designation
- Unknown
Lot
- Lot Front
- 36.00 ft
- Lot Depth
- 100.00 ft
Parking & Garages
- Garage Type
- Detached
- Garage Spaces
- 1
- Parking Spaces
- 3
- Total Garage And Parking Spaces
- 3
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Natural Gas
- Yes
- Hydro
- Yes
- Cable
- Available
- Telephone
- Available
- Bedrooms
- 2
- Washrooms
- 1
- Kitchens
- 1
- Family / bonus room
- Yes
Washrooms
- 4-piece, Main
- Municipality
- St. Catharines
- Neighbourhood
- Downtown
- Main cross streets
- Fitzgerald St and Wiley St
- Zoning
- R2
- Directions
- Spruce St and Wiley St
- MLS® number
- X13673534
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-08-28
- Listed on
- 2026-08-13
- Days on market
- 15 days
- Possession type
- Flexible
- Co-op commission
- 2
- Seller
- Listed by
- BOSLEY REAL ESTATE LTD.,
Home Market Value
Current home valuation for 38 Spruce Street, St. Catharines, Downtown, St. Catharines, ON. Listed for $389,900
HOMEH Estimate
$360,000
Estimated Sales Range
$284,400 - $435,600
HOMEH Estimate for 38 Spruce Street, St. Catharines, Downtown
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% of purchase price for homes $500K or less
$19,495
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $14,816 | $10,878 | $9,280 | $0 |
=Total mortgage | $385,221 | $361,788 | $340,695 | $311,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $1,881monthly | $1,766monthly | $1,663monthly | $1,523monthly |
Land Transfer Tax
$4,324
$4,324
Around this home
No schools found nearby
Data provided by OpenStreetMap & Fraser Institute School Rankings
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