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458 - Western Hill, St. Catharines
$599,900
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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| Type | Detached |
| Style | Bungalow |
| Approx. Age | Not available |
| Size | 700-1100 sq. ft. |
| Property Tax | $3,177 |
| Lot Size | 30 ft x 157.5 ft |
| mls© Number | X12769664 |
| Listed By | RE/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.
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 checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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