




13 Cowan Drive, Thorold, ON
L2V 4Y8
Listed September 7, 2026
Virtual Tour
About this property
Welcome to 13 Cowan Drive, a bright and beautifully maintained raised bungalow with a fully finished basement with a separate entrance, located on a quiet, no-through street, where a true sense of community still thrives. Situated within walking distance from parks, playgrounds, a school and the scenic Welland Canal. The main floor features an open concept layout with an abundance of natural light from large windows and skylights. Here, you will find an inviting living room, a tastefully updated kitchen with solid wood cabinets and granite countertops, a spacious dining room, two generously sized bedrooms, and a breathtaking 4-piece bathroom. The primary bedroom exits directly onto the upper deck, creating a seamless connection to the beautifully landscaped, fully fenced backyard and a spacious lower deck. Fully renovated in 2024, the lower level offers exceptional flexibility, perfect for multi-generational living or a premium in-law suite with a separate entrance. This bright space features high ceilings, durable LVP flooring, a convenient second kitchen and dining area, living room with fireplace, a spa-like bathroom with a premium TOTO bidet, and a third spacious bedroom. Complete with an attached garage, this thoughtfully updated turn-key home offers the perfect blend of comfort, flexibility and unmatched community living.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 13 Cowan Drive — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$135,800 · Minimum $42,900
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
$4,365/mo
About $52,380 a year
- $3,003
- $341
- Home insurance$125
- Utilities$330
- Maintenance & repairs$566
Cash needed to close
- Down payment (20%)
- $135,800
- Ontario land transfer tax
- $10,055
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $148,355
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
13 Cowan Drive, Thorold, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 7, 2026
Listing Office: ZOLO REALTY
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