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451 - Downtown, St. Catharines
$574,900
Outstanding Family Home complete with basement rental & enclosed porch, directly across the street from an elementary school and easy highway access! This solid brick 2.5 story home has so much to offer; fully renovated in 2019 to include an open concept kitchen designed for hosting as well as a freestanding soaker tub for a truly spa-like atmosphere. Additional/Practical updates included wiring, plumbing, windows, and refinishing the original hardwood floors. Convenient 2-piece bathroom on the main floor plus a mudroom and large pantry, as well as a bedroom with access to the rear yard & large deck. Another 2 bedrooms upstairs with a private office (or nursery!) off one room and a finished walk-up attic (the possibilities are endless!) off the primary bedroom. (Check out the floorplans in the photos) Lower level has a shared laundry room and access to a tenanted bachelor unit that rents for $1150 per month plus utilities (Separate meters). Outside you will be delighted to discover a large deck, fenced 150' deep lot & detached garage. Additional updates include: main roof shingles (2016), flat roof & garage roof (2022), Egress window in basement (2020), New electrical panel (2021).
No extras listed.
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| Type | Detached |
| Style | 2 1/2 Storey |
| Approx. Age | 100+ |
| Size | 1500-2000 sq. ft. |
| Property Tax | $3,268 |
| Lot Size | 35 ft x 150 ft |
| mls© Number | X13438512 |
| Listed By | ROYAL 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%
- $2,943
- Property tax
- $272
- Heat allowance
- $150
- Housing costs
- $3,365 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$104,000
gross annual household income
- Payment at 4%
- $2,419 / mo
- Cash down
- $114,980
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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