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New6 days ago

55 Kent Street

458 - Western Hill, St. Catharines

$574,900

Detached|Bungalow
3 | 2 | 3
About this home

Updated brick bungalow duplex set on a premium 50 x 160 ft ravine lot backing onto 12 Mile Creek in the heart of Western Hill. This fully finished property features a separate entrance to the lower level, offering excellent versatility for investors or multi-generational living. With a total of 5 bedrooms, 2 full bathrooms, and approximately 1,800 sq ft of finished living space, the layout provides comfortable living options on both levels with great functionality throughout. Positioned at the end of a quiet street, this home offers added privacy while still being conveniently located just minutes to downtown St. Catharines, hospital, Brock University, schools, shopping, and all essential amenities. The deep lot with ravine setting provides a unique backdrop and added appeal. Whether you're looking to add to your investment portfolio or secure a property with built-in income potential, this is a solid opportunity in one of St. Catharines' fastest-growing neighbourhoods. Photos are from prior to tenancy.

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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBungalow
Approx. Age51-99
Size700-1100 sq. ft.
Property Tax$3,568
Lot Size50 ft x 160.42 ft
mls© NumberX13690664
Listed ByCOLDWELL BANKER ADVANTAGE REAL ESTATE 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%
$2,943
Property tax
$297
Heat allowance
$150
Housing costs
$3,390 / mo

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

Down payment20% · $114,980
25-yr amortization

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 check

Investment Analysis

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

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