40 Cypress Street, St. Catharines, ON
L2N 4L9
Listed November 2, 2026
About this property
This spacious 1400 sq ft backsplit semi detached is in a lovely area and features 3 bedrooms up with a living dining combo on the main level and a sunroom with sky lights with ground level walkout , recroom with walkout, 4 th bedroom and 2 piece bath also in the lower level 4th level un touched. The home also features hardwood in the upper levels. The walkout leads to a large 220 foot yard with a shed, fully fenced yard and private patio, large driveway and a private setting
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 40 Cypress Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$95,000 · Minimum $23,750
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
$3,305/mo
About $39,660 a year
- $2,101
- $353
- Home insurance$125
- Utilities$330
- Maintenance & repairs$396
Cash needed to close
- Down payment (20%)
- $95,000
- Ontario land transfer tax
- $5,975
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $103,475
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
40 Cypress Street, St. Catharines, ON
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Last Updated: November 2, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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