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Listed 24 days ago

7 Vera Street

458 - Western Hill, St. Catharines

$449,900

Detached|Bungalow
2 | 2 | 5
About this home

Extensively updated and move-in ready, this well-maintained home offers peace of mind with professionally completed foundation work, full basement waterproofing with city permits, a gas furnace and central heating system (2017), 200-amp electrical service with copper wiring, and a 1-year-old owned hot water heater.The bright main floor features marble flooring throughout, a cozy fireplace, and an upgraded kitchen with a large island, quartz countertops, and quality appliances. The basement adds valuable extra space with one bedroom, a kitchenette, and a 2-piece bathroom rough-in.Situated on a generous 52 x 105 ft lot, the property offers parking for up to five vehicles, a large three-season porch, artificial turf in both the front and backyard, landscaping lighting, and a spacious storage shed.Conveniently located just minutes to The Pen Centre, Ridley College, the GO Station, and Brock University, this home is ideal for families, professionals, or investors seeking a property with quality upgrades, functional living space, and excellent long-term value.

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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBungalow
Approx. AgeNot available
Size< 700 sq. ft.
Property Tax$2,473
Lot Size52.5 ft x 105 ft
mls© NumberX13626470
Listed ByROYAL LEPAGE NRC REALTY

Listing History

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  • 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%
$2,303
Property tax
$206
Heat allowance
$150
Housing costs
$2,659 / mo

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

Down payment20% · $89,980
25-yr amortization

Income needed

$82,000

gross annual household income

Payment at 4%
$1,893 / mo
Cash down
$89,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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

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