$398,500
↓ $26,500 from $425,000
Est. payment $1,764/moCalculate yours
43 York Street, St. Catharines, ON L2R 6C2
451 - Downtown, St. Catharines, ON L2R 6C2
- 4 + 2 Beds
- 5 Baths
- 1,500 Sq Ft
Listing courtesy of RE/MAX GARDEN CITY REALTY INC, BROKERAGE MLS® X13721904
About this home
LEGAL DUPLEX - VACANT UPPER UNIT - EXCELLENT INVESTMENT OPPORTUNITY. Excellent opportunity to own a legal duplex in an established St. Catharines neighbourhood offering immediate rental income and strong future income potential. The main floor and lower level are occupied by great long-term tenants, providing reliable income from day one. The vacant second-floor unit gives the new owner the flexibility to select their own tenant and establish current market rent, creating an attractive opportunity to maximize overall income. For an owner-occupier, move into the vacant upper unit while benefiting from substantial rental income from the existing tenanted portion to help offset mortgage and carrying costs. The property features two self-contained units with separate private entrances and separate hydro meters. Additional features include an updated kitchen, coin laundry, private driveway, and front and rear decks. Conveniently located in the established Haig Street neighbourhood within walking distance of downtown St. Catharines, shopping, restaurants, entertainment and public transit. With legal duplex status, established tenants, a vacant upper unit, separate hydro meters, and strong income potential, this is a compelling opportunity for investors and owner-occupiers alike.
Property details
Overview
- Property Type
- Duplex
- Style
- 2-Storey
- For
- For Sale
- Status
- Price Change
- Size
- 1,500 sqft
Interior
- Bedrooms
- 4 + 2
- Bathrooms
- 5
- Kitchens
- 4
- Basement
- Full, Finished, Finished with Walk-Out
Building & Systems
- Heating
- Radiant (Gas)
- Cooling
- Window Unit(s)
- Exterior
- Brick, Other
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 41 x 87.23 Feet
- Parking
- None garage · 3 total
Financial
- Property Taxes
- $3,250 (2026)
Location
- Neighbourhood
- 451 - Downtown
- Cross Street
- Between Welland Avenue & Carlton Street
- Direction Faces
- West
Listing
- MLS® Number
- X13721904
- Days on Market
- 51
- Listed On
- 2026-08-28
- Possession
- ASAP Preferred
- Listed By
- RE/MAX GARDEN CITY REALTY INC, BROKERAGE
Features
Interior
- Other
Pool
- None
Mortgage calculator
Estimated mortgage payment
$1,764 per month
- Principal and interest
- $1,764
- Property tax
- $271
- Condo fees
- $0
- Estimated monthly cost
- $2,035
Your mortgage
- Mortgage amount
- $318,800
- Mortgage insurance
- Not needed
- Interest over 25 years
- $210,542
Cash to close
- Down payment
- $79,700
- Land transfer tax
- $4,453
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $84,153
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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