1 Cumming Street, St. Catharines, ON

$384,999
MLS#:X13513004
2 beds
1 baths
700-1100 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of 458 - Western Hill. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $384,999 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.

  • 2 Bedrooms and 1 Bathroom
  • Generous living space spanning 700-1100 sqft on a premium 13.72 x 32.22 ft lot
  • 3.0 total parking spaces available
  • Notable attributes: Other, Storage
  • equipped with window unit(s) central cooling and highly efficient forced air heating via gas

Description

CALLING ALL INVESTORS! Take a look at this great opportunity. Located in the west end of St. Catharines, 1 Cumming Street is a 2 bedroom 1 bath home just minutes away from the Fourth Ave area with shops, resturants and Downtown St. Catharines, while also having both the QEW and 406 highways nearby. This property has a road connection to the parallel street known as Kent Street having the potential to be severed. This is also an equally great opportunity for a first time home buyer to build some equity by putting your own personal stamp on it!

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Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/2/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementNone
Lot Size13.72 × 32.22 Metres
CountyNiagara
Annual Tax$3,352.79
Legal DescriptionLT 874, 973 TP PL 94 GRANTHAM; ST. CATHARINES

Parking & Garage

Parking Spaces3.0
Garage Spaces3
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingWindow Unit(s)

Features

Property Features

Level, School, Public Transit

Interior Features

Other, Storage

Security Features

Smoke Detector, Carbon Monoxide Detectors

Community Features

Location

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1 Cumming Street, 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 1 Cumming Street, St. Catharines, ON L2S 1H6

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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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$19,250 (5.0%)
* Minimum Canadian down payment required for this price is $19,250.
Amortization Period25 Years
Estimated Monthly Payment$2,180Based on a loan of $365,749 over 25 years.
Purchase Price$384,999
Loan Amount$365,749
Provincial Land Transfer Tax:$4,250
Total Estimated Closing Taxes:$4,250

About Purchasing a Home in St. Catharines, ON

For a property listed at $384,999 in St. Catharines, the legal minimum down payment is $19,250 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 $4,250 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 $4,250.

Nearby Listings

Distance:

No current listings found in St. Catharines.

Similar Listings Nearby

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$658,859

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

No secondary schools data loaded.

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.