MOVE-IN READY BUNGALOW IN PRIME LOCATION WITH FUTURE FLEXIBILITY & BUILT-IN INCOME POTENTIAL! Welcome to 13 Cumming St., St. Catharines — a raised bungalow with built-in flexibility for homeowners and investors alike. This home has a smart layout with 3 bedrooms, 1.5 bathrooms, and oversized windows that flood both levels with natural light. The lower level has been freshly renovated (2024) and already has plumbing in place for a second kitchen and bathroom expansion, making it ideal for an in-law suite or full duplex conversion. Whether you’re looking to generate rental income, house extended family, or build equity quickly, this well built, low maintenance property is set up to deliver. Upgrades include new flooring in the upstairs bedrooms, a double-wide paved driveway, and a cement walkway leading to a spacious deck. The fully fenced backyard features two storage sheds and plenty of room for enjoying low maintenance outdoor living. Set in a prime location, this home is steps from the GO Train and Via Rail station, just over the bridge from Downtown, and minutes from everyday essentials like Walmart, LCBO, restaurants, parks, and schools. You’ll also enjoy quick access to the bustling Fourth Avenue power center, the new St. Catharines hospital, and world-class education at Ridley College. The Pen Centre, Niagara’s largest shopping mall, and Brock University are both less than a 10-minute drive, making this an ideal location for families, professionals, and future tenants alike. With its combination of a newer build for the neighbourhood, move-in readiness, and clear potential for secondary suite conversion, 13 Cumming St. is a smart buy for both first-time buyers and investors. Quick closing is available.