
39 Cumming Street
St. Catharines (Western Hill), ON L2S 1H8
- 2+2Bedrooms
- 2Bathrooms
- 0Garage
- 1500–2000Sq Ft
- $3,674Tax
- 35×105 ftLot Size
- Estimated Value:$703,025See Free Estimate Report

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About 39 Cumming Street, St. Catharines, Western Hill
Summarized Description
- 2+2 bedroom, 2 bathroom semi-detached home
- Open-concept design ideal for families
- Fully finished lower level with separate entrance
- In-law suite potential for multi-generational living
- Family-friendly neighborhood with schools nearby
- Convenient access to shopping and GO Train
- 20 minutes to Niagara Falls for weekend trips
- Exceptional value in a desirable location
Welcome to this well-maintained 2+2 bedroom, 2 bathroom semi-detached raised ranch located on desirable Cumming Street in St. Catharines. Featuring an open-concept main floor design, this home offers a bright and functional layout perfect for families and entertaining. The spacious kitchen includes a large island with plenty of prep and seating space, flowing seamlessly into the living and dining areas.The fully finished lower level boasts high ceilings, a bright and spacious family room, two additional bedrooms, a full bathroom, and a separate entrance. With its excellent layout and private access, the lower level offers outstanding potential for an in-law suite or multi-generational living.Ideally situated in a family-friendly neighbourhood, this home is within walking distance to two public schools, less than a minute's walk to a convenience store, and just a 5-minute walk to the GO Train Station for easy commuting. Enjoy the convenience of being only 3 minutes from major shopping destinations including Walmart and Superstore, while parks, recreational amenities, and everyday essentials are all close by. For weekend adventures, Niagara Falls and the Canada-U.S. border crossings are approximately 20 minutes away.Whether you're a growing family, investor, or someone seeking flexible living space, this versatile property offers exceptional value in a convenient and desirable location.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,674
- Land Transfer Tax Fee
- $6,475
Rental Items
- Rental Equipment
- Tankless HWT
- Basement Type
- Full, Separate Entrance
Interior Features
- Interior Extras
- None
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Pool
- None
- Property Features
- Park, Public Transit, School
Building
- Building Type
- Semi-Detached
- Building Style
- Bungalow-Raised
- Approx Age
- 6-15
Construction
- Exterior Finish
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Poured Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 34.97 ft
- Lot Depth
- 104.99 ft
- Lot Size
- 34.97 x 104.99 Feet
- Lot Size Code
- 34.97 x 104.99 Feet
Inclusions
- Inclusions
- Stove, Fridge, Dishwasher, Microwave, Washer, Dryer, All Electrical Light Fixtures & All Window Coverings
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 0
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 2 + 2
- Washrooms
- 2
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Living Room4.72 x 2.44Main level, Combined w/Dining
- Kitchen3.84 x 3.78Main level, Eat-in Kitchen
- Primary Bedroom4.09 x 3.84Main level
- Bedroom 23.15 x 2.67Main level
- Bathroom—Main level, 4 Pc Bath
- Family Room5.31 x 3.10Lower level
- Bedroom 33.56 x 3.10Lower level
- Bedroom 43.58 x 2.90Lower level
- Bathroom—Lower level, 3 Pc Bath
Washrooms
- 4-piece, Main
- 3-piece, Main
- Area
- St. Catharines
- Municipality
- St. Catharines
- Neighbourhood
- Western Hill
- Main cross streets
- Pelham Road
- Zoning
- R2
- Directions
- S
- MLS® number
- X13484710
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-07-24
- Listed on
- 2026-06-24
- Days on market
- 30 days
- Possession date
- 2026-08-01
- Possession type
- 1-29 days
- Co-op commission
- 2%
- Seller
- Listed by
- RIGHT AT HOME REALTY
Home Market Value
Current home valuation for 39 Cumming Street, St. Catharines, Western Hill, St. Catharines, ON. Listed for $499,999
HOMEH Estimate
$703,025
Estimated Sales Range
$492,118 - $913,933
HOMEH Estimate for 39 Cumming Street, St. Catharines, Western Hill
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% of purchase price for homes $500K or less
$25,000
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $19,000 | $13,950 | $11,900 | $0 |
=Total mortgage | $493,999 | $463,949 | $436,899 | $399,999 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,412monthly | $2,265monthly | $2,133monthly | $1,953monthly |
Land Transfer Tax
$6,475
$6,475
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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