Gurvinder Nokwal REALTOR®
For Sale Duplex 62 days on market

$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
Map

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

Minimum for this price: $21,745 (5%)

Amortization, years

Estimated mortgage payment

$1,926 per month

Principal and interest
$1,926
Property tax
$250
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
Total, before legal fees
$92,153
Talk to me about financing

Estimates 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

164 Lake Street, St. Catharines, ON L2R 5Y7 451 - Downtown, St. Catharines, ON L2R 5Y7
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$434,900 164 Lake Street, St. Catharines, ON L2R 5Y7
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