Gurvinder Nokwal REALTOR®
For Sale Duplex 40 days on market

$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

Room Level Dimensions
Living Room Main 16′ 1″ × 11′ 2″
Kitchen Main 11′ 3″ × 7′ 9″
Kitchen Upper 9′ 9″ × 9′ 9″
Living Room Upper 16′ 11″ × 13′ 8″
Bedroom Main 11′ 3″ × 10′ 2″
Bedroom Main 13′ 8″ × 9′ 9″
Bathroom Upper 7′ 9″ × 6′ 0″
Bathroom Main 7′ 6″ × 6′ 3″
Dining Room Main 10′ 1″ × 9′ 6″
Bedroom Upper 11′ 7″ × 10′ 0″

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

Minimum for this price: $29,800 (5.44%)

Amortization, years

Estimated mortgage payment

$2,426 per month

Principal and interest
$2,426
Property tax
$312
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
Total, before legal fees
$117,035
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

31 Stuart Avenue, St. Catharines, ON L2R 1M8 451 - Downtown, St. Catharines, ON L2R 1M8
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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).

$548,000 31 Stuart Avenue, St. Catharines, ON L2R 1M8
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