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9 CHURCHILL Street

458 - Western Hill, St. Catharines

$599,900

Detached|Bungalow
3 | 2 | 2
About this home

A rare find in West St. Catharines for investors or first-time buyers, this extensively renovated 3+3 bedroom bungalow is ideally located just steps to the new GO Train station (currently under construction), on a direct bus route to Brock University and close to downtown, shopping, and amenities. The home features a fully finished basement set up as a self-contained in-law suite (not a legal accessory apartment) with 3 additional bedrooms, kitchen, bathroom, and shared laundry access, creating a flexible layout suited for multi-unit rental or extended family living. Over the past 15 years, the property has undergone significant updates and offers an EnerGuide rating of 78, along with added features such as commercial coin-operated laundry for supplemental income, 5/8" drywall in the lower level for enhanced fire separation, interconnected smoke alarms, and hard-wired network connections throughout. The property is currently fully tenant occupied, generating approximately $3,375/month in rental income (upper $1,875, lower $1,500), with the landlord currently covering utilities. Situated on a deep 160 ft lot, there is additional long-term upside with potential for a detached accessory dwelling unit (DADU), subject to approvals. Tenant occupied-24 hours notice required for all showings.

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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBungalow
Approx. AgeNot available
Size700-1100 sq. ft.
Property Tax$3,177
Lot Size30 ft x 157.5 ft
mls© NumberX12769664
Listed ByRE/MAX GARDEN CITY 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%
$3,071
Property tax
$265
Heat allowance
$150
Housing costs
$3,485 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $119,980
25-yr amortization

Income needed

$107,000

gross annual household income

Payment at 4%
$2,524 / mo
Cash down
$119,980

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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