$434,900
↓ $15,000 from $449,900
Est. payment $1,926/moCalculate yours
164 Lake Street, St. Catharines, ON L2R 5Y7
451 - Downtown, St. Catharines, ON L2R 5Y7
- 2 Beds
- 2 Baths
- 2 Garage
- 1,100 Sq Ft
Listing courtesy of Century 21 Heritage House LTD MLS® X13685044
About this home
Character, Income & Convenience - A Duplex With Personality! Unique character duplex, very well taken care of, with fantastic income potential and plenty of parking, outdoor space and updates! Whether you’re looking for an investment property, a mortgage helper, or a comfortable home for the extended family, this one offers flexibility that is hard to find. The upstairs unit is truly one-of-a-kind, blending a cool retro vibe with an art-deco-inspired feel. The bright, modern open-concept layout features a charming pot-belly stove, stylish kitchen and an incredible jacuzzi tub bathroom. A staircase leading to the storage loft adds even more character and visual appeal. Both units have convenient side-door access to the shared laundry and basement. The main-floor unit is equally inviting, featuring a character-filled living room with fireplace, currently being used as a second bedroom, and stained glass windows. The primary bedroom has sliding glass doors onto a large rear deck, creating a wonderful indoor/outdoor living space. Outside, you’ll find a fenced yard, front and rear decks, a double garage and three-point parking at the rear - plenty of room for vehicles, tenants and entertaining. Major improvements and features include waterproofed basement, mostly newer windows, renovated units and low-maintenance outdoor spaces. And the location is hard to beat - centrally located with easy access to the highway, shopping and everyday amenities. Live in one unit and rent out the other to help with the mortgage, add this to your investment portfolio, or keep it as a fantastic extended-family setup. The possibilities are yours! Unique character. Multiple income options. Plenty of parking, great location. Just collect the rent!
Property details
Overview
- Property Type
- Duplex
- Style
- 2-Storey
- For
- For Sale
- Status
- Price Change
- Size
- 1,100 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 2
- Basement
- Full, Unfinished, Walk-Out, Separate Entrance
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 33 x 120 Feet
- Parking
- Detached garage · 8 total
- Zoning
- R3
Financial
- Property Taxes
- $3,003 (2026)
Location
- Neighbourhood
- 451 - Downtown
- Cross Street
- Pleasant St
- Direction Faces
- East
Listing
- MLS® Number
- X13685044
- Days on Market
- 62
- Listed On
- 2026-08-17
- Possession
- flexible
- Listed By
- Century 21 Heritage House LTD
Features
Interior
- Carpet Free
- In-Law Suite
- In-Law Capability
- Separate Hydro Meter
Property
- Place Of Worship
- Public Transit
- Fenced Yard
Pool
- None
- Included
- 2 stoves, 2 fridges
- Excluded
- main floor tenants possessions
- Rental items
- none
Mortgage calculator
Estimated mortgage payment
$1,926 per month
- Principal and interest
- $1,926
- Property tax
- $250
- Condo fees
- $0
- Estimated monthly cost
- $2,176
Your mortgage
- Mortgage amount
- $347,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $229,773
Cash to close
- Down payment
- $86,980
- Land transfer tax
- $5,173
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $92,153
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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