$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
Features
Interior
- Other
Pool
- None
- Excluded
- Tenants Belongings
- Rental items
- Hot Water Heater
Mortgage calculator
Estimated mortgage payment
$2,298 per month
- Principal and interest
- $2,298
- Property tax
- $278
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $110,655
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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