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458 - Western Hill, St. Catharines
$549,900
Welcome to 95 Chetwood Street in St. Catharines' Western Hill, a detached 1.5 storey home that has been totally renovated from top to bottom, including updated electrical, windows, roofing, and waterproofing. The carpet-free main level offers a bright living room, a spacious kitchen, three bedrooms, and a 4-piece bath. Upstairs is the showstopper: a private loft stretching nearly 35 feet, with its own separate entrance and a 2-piece bath. It makes an ideal work-from-home office/business, studio, or flexible living space set apart from the rest of the home. The finished basement adds even more room, with a large family room, a fifth bedroom, and a 4-piece bath with laundry. Outside, enjoy the front porch, a massive backyard, a detached garage, and a private drive with parking for five vehicles in total. The location puts you minutes from downtown St. Catharines, the St. Catharines GO station, Highway 406, Twelve Mile Creek trails, parks, schools, shopping, and the hospital.
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| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,740 |
| Lot Size | 39 ft x 106.5 ft |
| mls© Number | X13622170 |
| Listed By | RE/MAX ESCARPMENT 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%
- $2,815
- Property tax
- $312
- Heat allowance
- $150
- Housing costs
- $3,276 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$101,000
gross annual household income
- Payment at 4%
- $2,314 / mo
- Cash down
- $109,980
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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