40 St. Patrick St is a 2-bedroom, 1-bathroom detached home in St. Catharines, listed for $399,000. It has 700-1100 sq ft of living space.
1The bright sunroom is a lovely bonus, providing a welcoming space to enjoy your morning coffee, relax with a book, or simply take in the natural light.
2Step outside to enjoy the backyard - an ideal spot for gardening, entertaining or simply relaxing outdoors.
3Conveniently located close to downtown amenities, shops, restaurants, parks & everyday conveniences.
Welcome to this charming and well maintained 2 bdrm 1 bath bungalow in the heart of downtown St. Catharines. This is a great opportunity for 1st time home buyers, couples or those looking to downsize but are not ready for the condo life. This inviting home offers comfortable one-level living with plenty of character. The bright sunroom is a lovely bonus, providing a welcoming space to enjoy your morning coffee, relax with a book, or simply take in the natural light. The home has been maintained in its original style and the opportunity to make it your own over time. Step outside to enjoy the backyard - an ideal spot for gardening, entertaining or simply relaxing outdoors. Conveniently located close to downtown amenities, shops, restaurants, parks & everyday conveniences. A great combination of charm, practicality and location - this bungalow is ready to welcome its new owner! AC 2026, Basement Waterproof/Sump Pump 2017, Furnace 2015, Roof 2007
2 bedrooms, 1 bathroom, about 700 sq ft, works out to roughly $570 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 40 St. Patrick St
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
700-1100 sq ftas stated on the listing
Parking
1 space
Basement
Full, Partially Finished
Features & systems
Parking & garage
Parking spaces
1
Interior
Basement
Full · Partially Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Detached
40 St. Patrick St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$1,960
/mo
based on the purchase price of $399,000
$79,800 cash
$319,200 financed
$268,850 total interest
Principal54%$319,200
Interest46%$268,850
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in St. Catharines
Other 2–4 bed homes for sale in St. Catharines around $399K.
Average days on market38Homes sold in about 38 days on average.
Sale-to-list ratio96.6%On average, homes sold below asking.
Active listings754Homes for sale here right now.
Median vs prior 90 days+0.8%Compared with Apr 16 – Jul 15, 2026: prices up.
Based on 596 sales from Jul 15 – Oct 13, 2026 (495 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
40 St. Patrick St is listed at $399,000 (MLS® X13710764). Summitly updates the price as soon as the MLS® record changes.
Is $399,000 a good price for 40 St. Patrick St?
Summitly rates it Fair Price: the asking price is Within 3% below to 5% above Zara's estimate, an estimate built from recent sales in St. Catharines. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 40 St. Patrick St changed?
Yes — it was first listed at $409,000 and is now $399,000, a drop of $10,000 (2.4%).
How many bedrooms and bathrooms does 40 St. Patrick St have?
40 St. Patrick St has 2 bedrooms and 1 bathroom, with about 700–1,100 square feet of living space. It is a detached home in St. Catharines.
Is 40 St. Patrick St close to transit?
The nearest rapid-transit station is St. Catharines GO Station (Lakeshore West GO), about 2.9 km in a straight line. Distances are straight-line, not walking routes; check the transit agency for routes and schedules.
How much would the monthly mortgage be on 40 St. Patrick St?
About $1,960 a month — principal and interest on $399,000 with 20% down ($79,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 40 St. Patrick St compare with other homes in St. Catharines?
Its asking price of $399,000 is about 28% below the median sold price in St. Catharines over the last 90 days, $554,500, across 596 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 40 St. Patrick St been sold before?
Summitly has no earlier MLS® sale or lease of 40 St. Patrick St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 40 St. Patrick St?
40 St. Patrick St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 40 St. Patrick St been on the market?
49 days — 40 St. Patrick St was listed on August 25, 2026.
What is the price per square foot of 40 St. Patrick St?
About $363 to $570 per square foot: the asking price of $399,000 over the 700–1,100 sq ft the listing gives as its size range.
