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451 - Downtown, St. Catharines
$495,000
Detached single-family two storey home with 3 bedrooms and 1.5 bathrooms (1 full / 1 two-piece) located in the friendly and welcoming Haig Street community of St.Catharines just North of the downtown business and entertainment district and nearby all necessities. On the main floor you will find a nice sized living room and dining room area, an eat-in kitchen, as well as a two-piece washroom. On the second floor there are three healthy sized bedrooms along with the full 4-piece bathroom as well as attic hatch access to a 3rd floor storage loft space. The basement is unfinished but good for storage and workshop space as well as hosts the washer, dryer, and laundry tub. Outside you'll find a fully fenced backyard with deck, gardens, and tool shed as well as a two car driveway and relaxing front porch with overhang. Located in the Harriet Tubman Public School, St.Catharines Collegiate Secondary School, St. Denis Catholic Elementary School, and Saint Francis Catholic Secondary School zones and within walking distance to parks, trails, a splash-pad, an off-leash dog park, and a variety of great local shops and restaurants.
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| Type | Detached |
| Style | 2-Storey |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $2,808 |
| Lot Size | 33 ft x 75 ft |
| mls© Number | X13875700 |
| Listed By | RE/MAX GARDEN CITY REALTY INC, BROKERAGE |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,534
- Property tax
- $234
- Heat allowance
- $150
- Housing costs
- $2,918 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$90,000
gross annual household income
- Payment at 4%
- $2,083 / mo
- Cash down
- $99,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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