$525,000 - 39 Cumming Street, St. Catharines
Semi-Detached for Sale in St. Catharines
Popular Listing- MLS Number
- X13222538
- Property Type
- Semi-Detached
- Status
- active
- Days on Site
- 9
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RIGHT AT HOME REALTY
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.
Estimate your monthly payments for this property
Estimated Payment
$2,693.52/mo
Includes CMHC insurance ($14,648)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover St. Catharines
St. Catharines is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in St. Catharines
- •Convenient location in St. Catharines
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
St. Catharines offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
39 Cumming Street, St. Catharines
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $350/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Detached Home Advantages
Detached homes in St. Catharines are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to St. Catharines. Good resale value as demand remains consistent.
Investment Perspective
Looking at this as an investment: St. Catharines properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $2,188 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.