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Listed 1 month ago

40 St. Patrick Street

451 - Downtown, St. Catharines

$409,000

Detached|Bungalow
2 | 1 | 1
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

Extras

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  • Sun, Oct 4

    2:00 PM – 4:00 PM

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Got questions?

Contact Jonathan directly.

agent
Jonathan Lee
(647) 983-0770
TypeDetached
StyleBungalow
Approx. Age100+
Size700-1100 sq. ft.
Property Tax$2,947
Lot Size29 ft x 105 ft
mls© NumberX13710764
Listed ByROYAL 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.

Down payment20% · $81,800
25-yr amortization

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 check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

Values and trends

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