8 Kerwin Gate, St. Catharines, ON

$499,000
MLS#:X13128554
4 beds
3 baths
1100-1500 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow-Raised semi-detached located in the coveted neighborhood of 443 - Lakeport. Expertly crafted featuring premium aluminum siding and brick construction, this residence presents an exceptional opportunity offered at $499,000 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.

  • 4 Bedrooms and 3 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 32.78 x 119.06 ft lot
  • Features a finished with walk-out, separate entrance, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, In-Law Capability, Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Located on a quiet cul-de-sac in a desirable north end neighbourhood, this bright and inviting 3 bedroom, 3 bathroom semi-detached home offers an incredible opportunity for buyers looking for space, updates, and potential. Natural light fills the home, creating a warm and welcoming atmosphere throughout. The oversized fully fenced backyard is a rare feature for this style of home, offering plenty of room for entertaining, gardening, kids, or pets. Major updates have already been completed, including the roof, windows, exterior doors and garage door, furnace, A/C, electrical panel, updated kitchen, and flooring throughout most of the home-providing peace of mind and a strong foundation for future personalization. The primary bedroom features the convenience of a private 2-piece ensuite. Situated in an established family-friendly area close to parks, schools, and amenities, this is a fantastic chance to add your own finishing touches and make a great home truly your own.

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Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateJuly 8, 2026
Sold price information is available to members only
Listed Date5/13/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeSemi-Detached
Architectural StyleBungalow-Raised
ConstructionAluminum Siding, Brick
BasementFinished with Walk-Out, Separate Entrance, Partially Finished
Lot Size32.78 × 119.06 Feet
CountyNiagara
Annual Tax$4,009
Legal DescriptionPT LT 51 PL 643 AS IN RO668545 ; S/T RO225746 ST. CATHARINE

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Auto Garage Door Remote, In-Law Capability, Primary Bedroom - Main Floor

Security Features

Community Features

Location

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8 Kerwin Gate, St. Catharines, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 8 Kerwin Gate, St. Catharines, ON L2N 4J8

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

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Interest Rate5.25%
Down Payment$24,950 (5.0%)
* Minimum Canadian down payment required for this price is $24,950.
Amortization Period25 Years
Estimated Monthly Payment$2,825Based on a loan of $474,050 over 25 years.
Purchase Price$499,000
Loan Amount$474,050
Provincial Land Transfer Tax:$6,455
Total Estimated Closing Taxes:$6,455

About Purchasing a Home in St. Catharines, ON

For a property listed at $499,000 in St. Catharines, the legal minimum down payment is $24,950 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 $6,455 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 $6,455.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$705,092

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
6.3
St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Denis
Public175 Carlton Street, St. Catharines, Ontario, L2R 1S1
5.4
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5

Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

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.