1 Frederick Street, St. Catharines, ON
L2S 2S3
Listed November 11, 2026
About this property
Charming Western Hill Bungalow! Welcome to this gorgeous 2-bedroom, 2-bathroom bungalow in the desirable Western Hill neighbourhood of St. Catharines. Featuring a functional layout, inviting living spaces and a beautifully finished basement offering additional room for family living, entertaining or a home office. With a side entrance, this could be the perfect in-law set up. Boasting a large back deck and backyard, this place checks all the boxes! Conveniently located close to parks, schools, shopping, restaurants and everyday amenities. A wonderful place to call home!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 1 Frederick Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$119,900 · Minimum $34,950
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$3,929/mo
About $47,148 a year
- $2,652
- $322
- Home insurance$125
- Utilities$330
- Maintenance & repairs$500
Cash needed to close
- Down payment (20%)
- $119,900
- Ontario land transfer tax
- $8,465
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $130,865
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
1 Frederick Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: November 11, 2026
Listing Office: COLDWELL BANKER ADVANTAGE REAL ESTATE INC, BROKERAGE
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