For SaleDetached · 1 1/2 StoreyMLS® #X13791532 · TRREB MLS®
42 Union St, St. Catharines, Ontario
Western Hill, St. Catharines, Ontario L2S 2R2
- Bedrooms
- 3
- Lot Size
- 38.48 x 155.24 ft
- Bathrooms
- 1
- Type
- Detached
- Basement
- Partial Basement
$349,900
Estimated market value
About 42 Union St
42 Union St is a 3-bedroom, 1-bathroom detached house in Western Hill, St. Catharines, listed for sale at an asking price of $349,900 (MLS® X13791532).
Approved shovel-ready triplex development opportunity in St. Catharines! Calling all investors,builders, and savvy buyers. This is a rare chance to begin construction immediately with anapproved triplex permit already in hand, avoiding months of planning delays and significantsoft costs. Plans are completed for approximately 3,900-4,000 sqft of total build, designed asthree self-contained residential units featuring efficient layouts, multiple washrooms, andmodern exterior elevations tailored for strong rental appeal. Ideal for investors seekinglong-term hold cash flow, a BRRRR strategy, or builders looking for a ready-to-go project withapprovals secured and equally attractive for a buyer looking to live in one unit and rent theother two for supplemental income. Situated in a desirable neighbourhood close to schools,Montessori and childcare centres, parks, public transit, shopping, and everyday amenities, withconvenient access to downtown St. Catharines, Brock University, the Pen Centre, and majorroutes. A turnkey multi-unit opportunity in a growing rental market.
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Strong+$363/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 7 homes with 3 bedrooms for lease in Western Hill right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $2,875 / 2025
- MLS® number
- X13791532
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 51-99
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 38.48 x 155.24 ft
- Listed on
- Parking
- None, 2 Parking
Listing history
Buy/sell history for 42 Union St, St. Catharines, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $349,900 | N/A | For Sale | X13791532 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Detached
- Style
- 1 1/2 Storey
- Community
- Western Hill
- Municipality
- St. Catharines
Building
- Size
- 1100-1500 sqft
- Building Age
- 51-99
- Construction
- Stone
Inside
- Bedrooms
- 3
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc Main
- Basement Type
- Partial Basement
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 2
- Total Parking
- 2
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 38.48 ft
- Depth
- 155.24 ft
- Lot Size
- 38.48 x 155.24 ft
Additional
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.66 × 3.17 m | — | Main |
| Living | 5.18 × 3.66 m | — | Main |
| Br | 3.66 × 2.13 m | — | 2nd |
| Br | 3.66 × 3.66 m | — | 2nd |
| Br | 3.35 × 2.44 m | — | Main |
Map and tour
Detached homes for sale in Western Hill right now
- For sale now
- 27
- Median asking price
- $448K
- New in 7 days
- 0
- Price cuts
- 26%
Middle half: $354K to $547K
9 in 28 days
7 listings
This home is asking 22% below the median, lower than three quarters of them.
See all homes in Western HillAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $3,724
- Total land transfer tax
- $3,724
- First-time buyer rebates (Ontario up to $4,000)
- −$3,724
- Total for first-time buyers
- $0
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $349,900
- $1,499
- Ontario total
- $3,724
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 7.9 km7.9 km
Province of Ontario open data
Around the home2
- Nearest rail line: 770 m770 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Con Cast Pipe Inc. — Hy-Grade Precast Concrete, 1.6 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 1 federal contaminated site within 1 kmAll of them are closed. The federal inventory covers federal land only, not provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Alectra Utilities CorporationAt the address
- Wired internet 50/10 Mbps or faster is listed at a household 30 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (30 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.30 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Cogeco Connexion, Niagara Regional Broadband Network. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Last Mile Wireless Internet, NWIC, Rogers, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Niagara Peninsula Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Anthony Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 200 m | 80%Grade 6 average |
| Westdale Public SchoolDSB Niagara | Public · grades JK–8 | 300 m | 84%Grade 6 average |
| Edith Cavell Public SchoolDSB Niagara | Public · grades JK–8 | 1.1 km | 76%Grade 6 average |
| ÉÉC Immaculée-ConceptionConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–8 | 2.9 km | 51%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| DSBN AcademyDSB Niagara | Public · grades 9–12 | 300 m | 71%Grade 9 math |
| Denis Morris Catholic High SchoolNiagara CDSB | Catholic · grades 9–12 | 1.8 km | 50%Grade 9 math |
| Sir Winston Churchill Secondary SchoolDSB Niagara | Public · grades 9–12 · French Immersion | 2.3 km | 71%Grade 9 math |
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 3.1 km | 74%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St. Catharines GO | GO Transit train: Lakeshore West | 800 m |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Lot
- Lot area
- 5,974 sq ft555 m²
- Street frontage
- 38.48 ft11.7 m
- Depth
- 155.24 ft47.3 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by GeoWarehouse.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $69,980
- Total mortgage amount
- $279,920
- Total interest payment
- $199,180
- Total purchase cost
- $549,080
- Mortgage payment
- $1,597/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
2%Monthly carrying cost
$1,837- Carrying cost $1,837
- Surplus $363
Rental income opens at $2,200, the median asking rent of 7 comparable homes for lease in Western Hill. Type over it with the rent you expect. This is a planning tool, not advice.
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Sold prices in Western Hill are shown to signed-in members.