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451 - Downtown, St. Catharines
$350,000
Welcome to 20 Stuart Avenue, located on a quiet street in central St. Catharines. This 1.5-storey home offers a versatile layout with four bedrooms in total, including a convenient main floor bedroom with two closets, two additional bedrooms upstairs, and a fourth bedroom in the basement. The main floor features a spacious bathroom, while the second level offers a convenient 2-piece bath and the basement includes an additional 3-piece. Off the kitchen, a practical mudroom provides access to the fully fenced backyard, complete with a single detached garage and a bonus workshop at the rear. A private driveway accommodates two vehicles, and the property's central location offers easy access to schools, parks, shopping, public transit, and everyday amenities. Offering plenty of potential, this home is ready for your vision and personal touch. Being sold in as-is, where-is condition, it has been priced to reflect the updates and repairs required.
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| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | 51-99 |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,482 |
| Lot Size | 34.3 ft x 107.9 ft |
| mls© Number | X13722920 |
| Listed By | BOLDT REALTY INC., BROKERAGE |
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%
- $1,791
- Property tax
- $290
- Heat allowance
- $150
- Housing costs
- $2,232 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$69,000
gross annual household income
- Payment at 4%
- $1,473 / mo
- Cash down
- $70,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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