Gurvinder Nokwal REALTOR®
For Sale Duplex 102 days on market

$519,000

Est. payment $2,298/moCalculate yours

20 Henry Street, St. Catharines, ON L2R 5T3

451 - Downtown, St. Catharines, ON L2R 5T3

  • 5 Beds
  • 2 Baths
  • 1,500 Sq Ft

Listing courtesy of EXP REALTY MLS® X13541218

About this home

Located in the heart of downtown St. Catharines, this fully rented legal duplex presents a strong turnkey opportunity in a buyer-friendly market. The main floor unit generates $1,850 per month plus hydro, while the upper unit is now vacant, offering flexibility to live in one unit and rent the other, or lease it out at current market rents. The property has been professionally managed with a consistent tenant history, and the management company is open to remaining in place to ensure a smooth transition. The main floor offers three bedrooms, a full bathroom, and an unfinished basement, while the upper unit features two bedrooms, a 4-piece bathroom, and a private entrance off Henry Street. Shared laundry adds convenience, with direct access from one unit and an additional side entrance. Set in a walkable neighbourhood just minutes to Montebello Park, restaurants, shopping, transit, and everyday amenities, this is a smart option for investors looking to start or expand their portfolio with a reliable income-producing property. Minimum 24 hours’ notice required for showings.

Property details

Overview

Property Type
Duplex
Style
2-Storey
For
For Sale
Status
New
Size
1,500 sqft

Interior

Bedrooms
5
Bathrooms
2
Kitchens
2
Basement
Partial Basement, Unfinished

Building & Systems

Heating
Forced Air (Gas)
Cooling
Central Air
Exterior
Vinyl Siding
Foundation
Block, Concrete Block
Roof
Asphalt Shingle
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
34 x 92 Feet
Parking
None garage · 2 total
Zoning
R3

Financial

Property Taxes
$3,338 (2025)

Location

Neighbourhood
451 - Downtown
Cross Street
Lake St & Louisa St
Direction Faces
South

Listing

MLS® Number
X13541218
Days on Market
102
Listed On
2026-07-08
Listed By
EXP REALTY

Rooms

Room Level Dimensions
Bedroom Upper 13′ 1″ × 6′ 7″
Kitchen Main -
Bedroom 3 Main -
Bathroom Main -
Bedroom 2 Main -
Bedroom Main -
Dining Room Upper 13′ 1″ × 10′ 2″
Bedroom Upper 14′ 1″ × 9′ 6″
Kitchen Upper 8′ 10″ × 6′ 11″
Bathroom Upper -

Features

Interior

  • Other

Pool

  • None
Excluded
Tenants Belongings
Rental items
Hot Water Heater

Mortgage calculator

Minimum for this price: $26,900 (5.18%)

Amortization, years

Estimated mortgage payment

$2,298 per month

Principal and interest
$2,298
Property tax
$278
Estimated monthly cost
$2,576

Your mortgage

Mortgage amount
$415,200
Mortgage insurance
Not needed
Interest over 25 years
$274,206

Cash to close

Down payment
$103,800
Land transfer tax
$6,855
Total, before legal fees
$110,655
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

20 Henry Street, St. Catharines, ON L2R 5T3 451 - Downtown, St. Catharines, ON L2R 5T3
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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).

$519,000 20 Henry Street, St. Catharines, ON L2R 5T3
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