13 Cumming St
Western Hill, St. Catharines
$469,900
Buy with Dwelly and Save $4,699
Home Details
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Listing Description
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.
Fridge, Stove, Range Hood, Dishwasher, Microwave, Washer, Dryer, All Window Coverings
City: St. Catharines
Neighborhood: Western Hill
Property History
| Listing Date | DOM | List Price | Sold Price | Event | MLS ID |
|---|---|---|---|---|---|
| Dec 4, 2024 | 157 | $499,999 | N/A | Expired | X11884448 |
Rooms
Room dimensions for 13 Cumming St, St. Catharines
Market Trends and Insights
Mortgage Calculator
Your estimated monthly payment for 13 Cumming St is 2611
Price
$Rate
%Ammortization
Down Payment
$Total Mortgage
| Purchase Price | $469900 |
| Down Payment | $93980 |
| Mortgage Insurance | $0 |
| Total Mortgage | $375920 |
Monthly Payment
| Mortgage Payment | $2317 |
| Property Taxes | $294 |
| Maintenance Fees | $0 |
| Monthly Payment | $2611 |
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About 13 Cumming St, St. Catharines
Located at 13 Cumming St , this St. Catharines house is available for sale. This property was listed for $469,900 on Fri Aug 29 2025. This house's size is 700-1100 Sqft. It has 2 bedrooms and 2 bathrooms. The property includes the following rooms: Kitchen, Dining, Living, Primary, 2nd Br, Bathroom, Rec, 3rd Br, Bathroom, Laundry. This property comes with 2 parking spots. 13 Cumming St, St. Catharines is situated in the Western Hill neighbourhood.
MLS#: X12369882 · $469,900 · 2 bedroom house in Western Hill, St. Catharines