$548,000
↓ $40,000 from $588,000
Est. payment $2,426/moCalculate yours
31 Stuart Avenue, St. Catharines, ON L2R 1M8
451 - Downtown, St. Catharines, ON L2R 1M8
- 3 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of RIGHT AT HOME REALTY, BROKERAGE MLS® X13752872
About this home
Lovely character home with great curb appeal and full of charm located in the coveted Fitzgerald area of downtown St.Catharines. Welcome to 31 Stuart Avenue a wonderful long time family owned home that features a two bedroom apartment on the main floor and a large bright one bedroom apartment up! Basement is unfinished and has been waterproofed from the inside. This would be an excellent multi generational opportunity! As you enter the ground floor you will find a comfortable living room with a bay window allowing lots of natural light and a cozy fireplace. A nice sized dining area leads to a working kitchen, there are two bedrooms on this level both with fantastic corner windows with views of the generous backyard. A four piece bath completes this level. The second level boasts a bright spacious one bedroom apartment which is accessed from a separate entrance at the rear of the home. The lot is 40X120 and features a one car garage and a concrete driveway. Upgrades over the years include most newer vinyl windows and a metal long life roof(Hindrea Roofing 2018). Located within walking distance to Harriet Tubman or St.Denis Elementary schools and for secondary St.Catharines Collegiate or St.Francis Secondary the later would qualify for bus transportation. Close to all other amenities including shopping, churches and fine dining you will love the convenience of this downtown location. Be sure to check out the local website for details on community events and more info about the FITZ at fitzgeraldneighbours.ca. Don’t miss out on this opportunity to own this lovely home, call your Realtor today!
Property details
Overview
- Property Type
- Duplex
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 51-99
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 2
- Basement
- Full, Unfinished, Separate Entrance, Development Potential
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Stucco (Plaster)
- Foundation
- Concrete
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 40 x 120 Feet
- Parking
- Detached garage · 4 total
- Zoning
- R1
Financial
- Property Taxes
- $3,740 (2026)
Location
- Neighbourhood
- 451 - Downtown
- Cross Street
- George and Lake
- Direction Faces
- North
Listing
- MLS® Number
- X13752872
- Days on Market
- 40
- Listed On
- 2026-09-08
- Possession
- Flexible
- Listed By
- RIGHT AT HOME REALTY, BROKERAGE
Rooms
Features
Interior
- Accessory Apartment
- In-Law Capability
- Primary Bedroom - Main Floor
- In-Law Suite
Pool
- None
- Included
- Two Fridges, Two Stoves, Washer, Dryer all included as is. Catelli Cabinet in Living Room, Work tables and shelves in basement and garage shelves. Apartment furniture may be included.
- Rental items
- Hot Water Heater
Mortgage calculator
Estimated mortgage payment
$2,426 per month
- Principal and interest
- $2,426
- Property tax
- $312
- Condo fees
- $0
- Estimated monthly cost
- $2,738
Your mortgage
- Mortgage amount
- $438,400
- Mortgage insurance
- Not needed
- Interest over 25 years
- $289,528
Cash to close
- Down payment
- $109,600
- Land transfer tax
- $7,435
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $117,035
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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