The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
This custom built home offers the rare combination of a spacious family residence and a legal duplex with separate hydro meters, Gas meters and furnaces making it ideal for homeowners, investors or multi-generational living. A wide stamped concrete driveway leads to two separate entrances, one for the main home and one for the self-contained lower level suite. Inside, an oversized foyer with vaulted ceilings welcomes you in. A few steps up lead to the main living space, while the finished lower-level recreation room remains exclusively for the main residence. The primary bedroom is privately situated on its own upper level and features a walk-in closet and ensuite, creating excellent separation from the two additional bedrooms located on the main floor which share a 4-piece bathroom. This thoughtful layout offers added privacy for families with children or overnight guests. The heart of the home is the open concept kitchen, dining and living area featuring quartz countertops, stainless steel appliances including gas stove and a gas fireplace, built-in ceiling speakers and quality flooring throughout. The main level is completed by a laundry room and a versatile bonus room currently used as a home office. The legal one-bedroom suite is accessed through its own private entrance and offers 9-foot ceilings, luxury vinyl flooring, spacious living area, modern white kitchen with stainless steel appliances additional laundry and a full bathroom making it ideal for extended family or rental income. Outside you'll find a large deck with covered storage below and a generous backyard. Conveniently located close to shopping, grocery stores, schools, public transit and other everyday amenities, this property offers exceptional flexibility whether you're looking for a family home or outstanding investment opportunity.
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What’s NearbyDistances approximate
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Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$3,158/mo
Mortgage (principal + interest)$2,615
Property taxFrom listing: $6,521/yr$543
Minimum $44,900 down for this price; the slider moves in whole percent, starting at 7%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$139,800
Ontario land transfer taxProvincial brackets, no first-time refund$10,455
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$153,055
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Catharines has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
