Sold for:Sold Sep 26, 2025
$469,900

13 Cumming Street

St. Catharines (Western Hill), ON L2S 1H6

Detached House SoldNot available

This home has sold. It is no longer available.

Property not available for sale or for rent.

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Sale & Price History for 13 Cumming Street, St. Catharines, Western Hill

-
-
Unknown
Price
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MLS#
2025-08-29
2025-09-26
Sold
Price
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MLS#
x12369882

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About 13 Cumming Street, St. Catharines, Western Hill

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.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,530
Land Transfer Tax Fee
$5,873

Rental Items

Rental Equipment
Hot Water Heater
Under Contract
Hot Water Tank-Gas

Basement Type
Full, Finished

Interior Features

Laundry Level
Lower Level
Interior Extras
Air Exchanger, In-Law Capability, Sump Pump, Water Heater
Fireplace/Stove
Yes
Fireplace Features
Natural Gas
Elevator
No

Exterior Features

Pool
None
Property Features
Arts Centre, Hospital, Library, Park, Place Of Worship, Public Transit

Building

Building Type
Detached
Building Style
Bungalow-Raised
Approx Age
31-50

Construction

Exterior Finish
Brick, Vinyl Siding
Roof
Asphalt Shingle
Foundation Details
Concrete
Special Designation
Unknown

Lot

Lot Front
35.00 ft
Lot Depth
105.00 ft
Lot Size
3675

Inclusions

Inclusions
Fridge, Stove, Range Hood, Dishwasher, Microwave, Washer, Dryer, All Window Coverings

Exclusions

Exclusions
None

Parking & Garages

Garage Type
None
Garage Spaces
2
Parking Spaces
2
Total Garage And Parking Spaces
2

Heating & Cooling

Heat Source
Electric
Heat Type
Baseboard
Air Conditioning
None
Water
Municipal
Sewers
Sewer

Bedrooms
2 + 1
Washrooms
2
Kitchens
1

Room sizes

  • Kitchen—
    Main level
  • Dining Room—
    Main level
  • Living Room—
    Main level, Fireplace
  • Primary Bedroom—
    Main level
  • Bedroom 2—
    Main level
  • Bathroom—
    Main level, 4 Pc Bath
  • Recreation—
    Lower level, Fireplace
  • Bedroom 3—
    Lower level
  • Bathroom—
    Lower level, 2 Pc Bath
  • Laundry—
    Lower level

Washrooms

  • 4-piece, Main
  • 2-piece, Lower

Municipality
St. Catharines
Neighbourhood
Western Hill
Main cross streets
Pelham Rd
Zoning
R2
Directions
QEW Niagara to 406, take exit 6, continue west on Westchester Cres, South West on St Paul St W, South on Pelham Rd, West on Cumming St

MLS® number
X12369882
Data source
Toronto Regional Real Estate Board
Status change
2025-09-26
Listed on
2025-08-29
Days on market
28 days
Possession type
Flexible
Co-op commission
$1.00
Seller
Listed by
YOUR HOME SOLD GUARANTEED REALTY ELITE

Home Market Value

Current home valuation for 13 Cumming Street, St. Catharines, Western Hill, St. Catharines, ON. Listed for $469,900

HOMEH Estimate

?

$460,500

Estimated Sales Range

?

$363,795 - $557,205

HOMEH Estimate for 13 Cumming Street, St. Catharines, Western Hill

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$460,500Medium confidence
Based on 12 comparable properties
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

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St. Catharines, ON
Minimum Down Payment Required:5.0%

5% of purchase price for homes $500K or less

Minimum down payment

$23,495

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$17,856$13,110$11,184$0
=Total mortgage
$464,261$436,020$410,599$375,920
Amortization
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%
%
%
%
Payment frequency
=Mortgage payment
$2,267monthly$2,129monthly$2,005monthly$1,835monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$5,873

Total Land Transfer Tax

$5,873

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8/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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