































40 St. Patrick Street
451 - Downtown, St. Catharines
$409,000
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
No extras listed.
Visit this home
Open houses
Sun, Oct 4
2:00 PM – 4:00 PM
Or pick a time that works for you.
| Type | Detached |
| Style | Bungalow |
| Approx. Age | 100+ |
| Size | 700-1100 sq. ft. |
| Property Tax | $2,947 |
| Lot Size | 29 ft x 105 ft |
| mls© Number | X13710764 |
| Listed By | ROYAL LEPAGE NRC REALTY |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,093
- Property tax
- $246
- Heat allowance
- $150
- Housing costs
- $2,489 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$77,000
gross annual household income
- Payment at 4%
- $1,721 / mo
- Cash down
- $81,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
Values and trends
Nearby listings
Comparable sales
- No similar listings found.










































































































































































































































































































































































































































































































































































































































































































