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Listed 3 months ago

12 Vera Street

458 - Western Hill, St. Catharines

$495,999

Detached|Bungalow
3 | 1 | 2
About this home

REDUCED - Charming, detached bungalow situated on a well-proportioned 35 ft x 105 ft fully fenced lot in a desirable, family-friendly neighbourhood. This inviting home offers 3+1 bedrooms, one full bathroom, a separate entrance to the lower level, and a rough-in for a lower-level bath, providing excellent in-law suite or income potential. Recently refreshed with many thoughtful upgrades, the home has been professionally painted throughout, including the kitchen cabinets, and features new hardware and updated flooring in the kitchen, creating a bright and welcoming space for everyday living. Enjoy effortless outdoor living in the private rear yard featuring a stone patio and powered garden shed, perfect for entertaining. The fully fenced yard is ideal for kids and pets, offering a safe and enjoyable outdoor space. Notable updates include a renovated bathroom (2024), windows and roof (2011), Gutter Guard system, newer furnace, and water softener. Additional features include hardwood flooring throughout, central air, and central vacuum, making this a move-in-ready home designed to provide years of enjoyment with no costly updates needed. Ideally located directly across from West Park, home to soccer fields, a brand-new splash pad, playground, and the Niagara Olympic Club, making it an excellent location for active families. Situated within a school district and minutes to highway access, shopping, trails, recreation facilities, and public transit. Commuters will appreciate being just a short drive from the upcoming GO Station offering future routes to Toronto. With Brock University approximately 3.6 km away, this property also offers strong appeal for investors. A well-maintained home with exceptional value - this one won't last!

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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBungalow
Approx. AgeNot available
Size700-1100 sq. ft.
Property Tax$3,073
Lot Size35 ft x 105 ft
mls© NumberX13416490
Listed ByRIGHT AT HOME 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%
$2,539
Property tax
$256
Heat allowance
$150
Housing costs
$2,945 / mo

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

Down payment20% · $99,200
25-yr amortization

Income needed

$91,000

gross annual household income

Payment at 4%
$2,087 / mo
Cash down
$99,200

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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

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