13 Cumming Street, St. Catharines, ON
Property no longer active
This property was sold on September 26, 2025. This listing is for reference purposes only. to view the sold price.
Property Highlights
Welcome to this remarkable Bungalow-Raised detached located in the coveted neighborhood of 458 - Western Hill. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $469,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.
- 3 Bedrooms and 2 Bathrooms
- Generous living space spanning 700-1100 sqft on a premium 35 x 105 ft lot
- Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
- 2.0 total parking spaces available
- Notable attributes: Air Exchanger, In-Law Capability, Sump Pump
- Efficient baseboard heating via electric
Description
MOVE-IN READY BUNGALOW IN PRIME LOCATION WITH FUTURE FLEXIBILITY & BUILT-IN INCOME POTENTIAL! Welcome to 13 Cumming St., St. Catharines a raised bungalow with built-in flexibility for homeowners and investors alike. This home has a smart layout with 3 bedrooms, 1.5 bathrooms, and oversized windows that flood both levels with natural light. The lower level has been freshly renovated (2024) and already has plumbing in place for a second kitchen and bathroom expansion, making it ideal for an in-law suite or full duplex conversion. Whether youre looking to generate rental income, house extended family, or build equity quickly, this well built, low maintenance property is set up to deliver. Upgrades include new flooring in the upstairs bedrooms, a double-wide paved driveway, and a cement walkway leading to a spacious deck. The fully fenced backyard features two storage sheds and plenty of room for enjoying low maintenance outdoor living. Set in a prime location, this home is steps from the GO Train and Via Rail station, just over the bridge from Downtown, and minutes from everyday essentials like Walmart, LCBO, restaurants, parks, and schools. Youll also enjoy quick access to the bustling Fourth Avenue power center, the new St. Catharines hospital, and world-class education at Ridley College. The Pen Centre, Niagaras largest shopping mall, and Brock University are both less than a 10-minute drive, making this an ideal location for families, professionals, and future tenants alike. With its combination of a newer build for the neighbourhood, move-in readiness, and clear potential for secondary suite conversion, 13 Cumming St. is a smart buy for both first-time buyers and investors. Quick closing is available.
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Property Summary
This detached home located at 13 Cumming Street, St. Catharines is currently for sale and has been available on SousaSells for 342 days. This property is listed at $469,900 with an estimated mortgage of $1,564* per month. It has 3 beds, 2 bathrooms, and is 700-1100 square feet. 13 Cumming Street, St. Catharines is in the 458 - Western Hill neighborhood.
* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.Yes! Featuring 3 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in 458 - Western Hill, St. Catharines.
- •3 spacious bedroom layout offering versatile living space
- •2 well-appointed bathrooms
- •700-1100 sqft of generous functional square footage
Families, couples, or downsizers looking for a well-proportioned home in St. Catharines.
Key Features
Additional Details
Property Details
Parking & Garage
Heating & Cooling
Features
Property Features
- Arts Centre
- Hospital
- Library
- Park
- Place Of Worship
- Public Transit
Interior Features
- Air Exchanger
- In-Law Capability
- Sump Pump
- Water Heater
Security Features
None listed
Community Features
None listed
Frequently Asked Questions about 13 Cumming Street, St. Catharines, ON
Q.What is the asking price for 13 Cumming Street, St. Catharines, ON ?
The current listing price for 13 Cumming Street, St. Catharines, ON in 458 - Western Hill, St. Catharines is $469,900.
Q.How many bedrooms and bathrooms does this property have?
This property features 3 bedrooms and 2 bathrooms across approximately 700-1100 sqft.
Q.What property type and architectural style is 13 Cumming Street, St. Catharines, ON ?
13 Cumming Street, St. Catharines, ON is a Detached (Bungalow-Raised) featuring a Full, Finished basement.
Q.What key property features does 13 Cumming Street, St. Catharines, ON offer?
Key property features include: Arts Centre, Hospital, Library, Park, Place Of Worship, Public Transit.
Q.What interior features are included in this home?
Interior highlights include: Air Exchanger, In-Law Capability, Sump Pump, Water Heater.
Q.Is parking available at this property?
Yes, this property offers parking space for 2.0 vehicles (None).
Q.What heating and cooling systems are installed?
Heating is provided via Electric and cooling via None.
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Pricing & Value Insights
Data-driven valuation for 13 Cumming Street, St. Catharines, ON L2S 1H6
Based on 0 recent similar sales in the pocket.
Properties in this area are selling at a steady pace.
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About Purchasing a Home in St. Catharines, ON
For a property listed at $469,900 in St. Catharines, the legal minimum down payment is $23,495 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.
Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $5,873 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $5,873.
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Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.