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New6 days ago

8 David Street

458 - Western Hill, St. Catharines

$378,000

Detached|Bungalow
2 | 1 | 4
About this home

A red front door and covered deck set a warm tone at this 1949 bungalow in St. Catharines' established Western Hill neighbourhood. Set on a 35 x 105 ft lot, the property offers four driveway parking spaces, so there's room for family, guests, or extra vehicles without a second thought. Inside, an open living room with vaulted ceilings flows straight into the kitchen and dining area, a layout that makes the main floor feel larger than its footprint. The kitchen keeps oak cabinetry, a tiled backsplash, and a peninsula breakfast bar, while a bright office just off the living room suits a home office, hobby space, or reading nook. Down the hall, a 4-piece bathroom finished in white tile sits near the mud room and basement stairs, and the bedroom opens privately off the dining area at the rear of the home. Outside, a fully fenced, tree-lined backyard offers a private space to garden, entertain, or let pets roam. The full basement is unfinished, a blank canvas for storage now or finished living space down the line, with laundry and mechanicals already in place. Forced air gas heat and central air keep every season comfortable, and the Western Hill location puts the Pen Centre, Brock University, and the QEW all within easy reach. Roof(2020); Furnace(2021); Dryer(2023); Hot water tank buy off (2024); no rental equipment.

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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBungalow
Approx. AgeNot available
Size700-1100 sq. ft.
Property Tax$2,225
Lot Size35 ft x 105 ft
mls© NumberX13692282
Listed ByROYAL LEPAGE NRC REALTY COMPASS ESTATES

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%
$1,935
Property tax
$185
Heat allowance
$150
Housing costs
$2,270 / mo

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

Down payment20% · $75,600
25-yr amortization

Income needed

$70,000

gross annual household income

Payment at 4%
$1,591 / mo
Cash down
$75,600

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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

Values and trends

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