$399,000
↓ $10,000 from $409,000
Est. payment $1,767/moCalculate yours
40 St. Patrick Street, St. Catharines, ON L2R 1K1
451 - Downtown, St. Catharines, ON L2R 1K1
- 2 Beds
- 1 Baths
- 700 Sq Ft
Listing courtesy of ROYAL LEPAGE NRC REALTY MLS® X13710764
About this home
Welcome to this charming and well maintained 2 bdrm 1 bath bungalow in the heart of downtown St. Catharines. This is a great opportunity for 1st time home buyers, couples or those looking to downsize but are not ready for the condo life. This inviting home offers comfortable one-level living with plenty of character. The bright sunroom is a lovely bonus, providing a welcoming space to enjoy your morning coffee, relax with a book, or simply take in the natural light. The home has been maintained in its original style and the opportunity to make it your own over time. Step outside to enjoy the backyard - an ideal spot for gardening, entertaining or simply relaxing outdoors. Conveniently located close to downtown amenities, shops, restaurants, parks & everyday conveniences. A great combination of charm, practicality and location - this bungalow is ready to welcome its new owner! AC 2026, Basement Waterproof/Sump Pump 2017, Furnace 2015, Roof 2007
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 100+
- Size
- 700 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Full, Partially Finished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Stucco (Plaster), Vinyl Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 29 x 105 Feet
- Parking
- None garage · 1 total
Financial
- Property Taxes
- $2,947 (2026)
Location
- Neighbourhood
- 451 - Downtown
- Cross Street
- Geneva Street
- Direction Faces
- South
Listing
- MLS® Number
- X13710764
- Days on Market
- 54
- Listed On
- 2026-08-25
- Possession
- Flexible
- Listed By
- ROYAL LEPAGE NRC REALTY
Rooms
Features
Interior
- Carpet Free
- Central Vacuum
- Primary Bedroom - Main Floor
- Sump Pump
Property
- Fenced Yard
- Public Transit
Pool
- None
- Included
- Refrigeration, Stove, Washer & Dryer, Central Vac & attachments - all in working order, but "as is"
- Excluded
- Chest Freezer in Kitchen
- Rental items
- Hot Water Tank
Mortgage calculator
Estimated mortgage payment
$1,767 per month
- Principal and interest
- $1,767
- Property tax
- $246
- Condo fees
- $0
- Estimated monthly cost
- $2,012
Your mortgage
- Mortgage amount
- $319,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $210,806
Cash to close
- Down payment
- $79,800
- Land transfer tax
- $4,460
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $84,260
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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