42 Cumming Street, St. Catharines, ON
L2S 1H9
Listed August 10, 2026
About this property
Fantastic Turnkey Duplex in Desirable West St. Catharines! Attention investors and first time buyers! This versatile, well-maintained duplex offers incredible potential in a highly sought-after West St. Catharines neighbourhood. The spacious main floor unit features 2 comfortable bedrooms, living room and a lower level family room with direct access to a fully fenced backyard-perfect for pets, kids, or summer entertaining. Living room, bedrooms have hardwood flooring. The bright upper apartment boasts 2 bedrooms plus a small loft space that can easily serve as a play area or storage. Worry-Free Exterior: Outfitted with a durable, long-lasting metal roof and vinyl siding. Enjoy your morning coffee on the charming front porch, and make use of the handy backyard storage shed. Prime Location: Situated in a great West End neighbourhood close to local amenities, transit, and highway access. Whether you're looking to add a reliable income property to your portfolio or live in one unit while renting out the other to pay your mortgage, this property is a must see!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 42 Cumming Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$99,800 · Minimum $24,950
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
$3,330/mo
About $39,960 a year
- $2,207
- $252
- Home insurance$125
- Utilities$330
- Maintenance & repairs$416
Cash needed to close
- Down payment (20%)
- $99,800
- Ontario land transfer tax
- $6,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $108,755
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
42 Cumming Street, St. Catharines, ON
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Last Updated: August 10, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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