$499,000
↓ $100,000 from $599,000
Est. payment $2,209/moCalculate yours
42 Cumming Street, St. Catharines, ON L2S 1H9
458 - Western Hill, St. Catharines, ON L2S 1H9
- 4 Beds
- 2 Baths
- 1,100 Sq Ft
Listing courtesy of ROYAL LEPAGE NRC REALTY MLS® X13659544
About this home
Fantastic Turnkey Duplex in Desirable West St. Catharines! Attention investors and first time buyers! This versatile, well-maintained duplex offers incredible potential in a highly sought-after West St. Catharines neighbourhood. The spacious main floor unit features 2 comfortable bedrooms, living room and a lower level family room with direct access to a fully fenced backyard-perfect for pets, kids, or summer entertaining. Living room, bedrooms have hardwood flooring. The bright upper apartment boasts 2 bedrooms plus a small loft space that can easily serve as a play area or storage. Worry-Free Exterior: Outfitted with a durable, long-lasting metal roof and vinyl siding. Enjoy your morning coffee on the charming front porch, and make use of the handy backyard storage shed. Prime Location: Situated in a great West End neighbourhood close to local amenities, transit, and highway access. Whether you’re looking to add a reliable income property to your portfolio or live in one unit while renting out the other to pay your mortgage, this property is a must see!
Property details
Overview
- Property Type
- Duplex
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 51-99
- Size
- 1,100 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 2
- Basement
- Partially Finished, Full
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Poured Concrete
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 35 x 105 Feet
- Parking
- None garage · 2 total
- Zoning
- R2
Financial
- Property Taxes
- $3,021 (2026)
Location
- Neighbourhood
- 458 - Western Hill
- Cross Street
- Pelham Road
- Direction Faces
- North
Listing
- MLS® Number
- X13659544
- Days on Market
- 71
- Listed On
- 2026-08-08
- Possession
- Flexible
- Listed By
- ROYAL LEPAGE NRC REALTY
Rooms
Features
Interior
- In-Law Capability
- In-Law Suite
- Water Heater Owned
Property
- Fenced Yard
- Public Transit
- School
Pool
- None
- Included
- NA
- Excluded
- NA
Mortgage calculator
Estimated mortgage payment
$2,209 per month
- Principal and interest
- $2,209
- Property tax
- $252
- Condo fees
- $0
- Estimated monthly cost
- $2,461
Your mortgage
- Mortgage amount
- $399,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $263,639
Cash to close
- Down payment
- $99,800
- Land transfer tax
- $6,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $106,255
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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