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DetachedListed 23 days ago

$549,900

17 Gerrard Street, St. Catharines, ON L2R 5S8

451 - Downtown · St. Catharines · L2R 5S8

Listing brokerage: REALTY NETWORK

Beds
2
Baths
2
Sq ft
1100–1500
Parking
3

Monthly costs

Property taxes

$284/mo

$3,409 a year (2025)

The home

Lot size
38.6 × 89 ft
Style
2-Storey
Basement
Full, Finished
Parking
3 spots
Faces
West
Heating · cooling
Radiant, Wall Unit(s)
Possession
Flexible

About this home

Welcome to this charming double-brick home ideally located just minutes from the downtown core and beautiful Montebello Park. Set on a large downtown lot with parking for up to three vehicles, this home offers a rare combination of space, convenience and low-maintenance living.Inside, you'll find a bright, open kitchen, two bedrooms plus a separate office, and 1.5 bathrooms. The fully finished basement provides additional living space, while the carpet-free interior makes the home easy to maintain throughout.Outside, enjoy a maintenance-free backyard perfect for relaxing or entertaining without the upkeep. With downtown shops, restaurants, parks and amenities all close by, this is a great opportunity to enjoy urban living with the added benefit of a generous lot and private parking.

All details21 more from the listing · Interior, Heating, Parking, Exterior, Utilities, Taxes, Listing

Interior

Bedrooms
2
Bathrooms
2
Kitchens
1
Rooms
10
Den / family room
Yes
Size
1100-1500 sq ft

Features

  • Water Heater Owned
  • Storage

Heating & Cooling

Heat source
Gas

Parking

Covered spaces
0

Exterior & Lot

Exterior
Brick, Wood
Roof
Asphalt Shingle
Foundation
Stone

Utilities

Sewer
Sewer

Taxes & Fees

HST
Included In

Listing

MLS® number
X13812600
Type
Detached
Transaction
For Sale
Neighbourhood
451 - Downtown
Cross streets
Lake and Welland
Co-listing brokerage
REALTY NETWORK
Rooms · 15Foyer, Dining Room, Living Room, Kitchen, Sunroom, Bathroom ×2, Bedroom, Office, Primary Bedroom, Recreation, Furnace Room, Utility Room, Washroom ×2
  • Foyer

    Main

    1.14 × 2.57 m · 3′9″ × 8′5″

  • Dining Room

    Main

    5.13 × 3.45 m · 16′10″ × 11′4″

  • Living Room

    Main

    3.78 × 3.05 m · 12′5″ × 10′0″

  • Kitchen

    Main

    3.99 × 3.20 m · 13′1″ × 10′6″

  • Sunroom

    Main

    2.97 × 1.50 m · 9′9″ × 4′11″

  • Bathroom

    Main

    1.45 × 1.02 m · 4′9″ × 3′4″

  • Bedroom

    Second

    3.61 × 2.97 m · 11′10″ × 9′9″

  • Office

    Second

    2.57 × 3.30 m · 8′5″ × 10′10″

  • Primary Bedroom

    Second

    4.17 × 3.07 m · 13′8″ × 10′1″

  • Bathroom

    Second

    2.84 × 1.73 m · 9′4″ × 5′8″

    4 Pc Bath

  • Recreation

    Basement

    4.37 × 6.68 m · 14′4″ × 21′11″

  • Furnace Room

    Basement

    1.96 × 3.28 m · 6′5″ × 10′9″

  • Utility Room

    Basement

    4.39 × 2.24 m · 14′5″ × 7′4″

  • 2 × 4-piece washroom

    Second

History

Past listings and sales for this home and building.

Location

17 Gerrard Street, St. Catharines, ON L2R 5S8 · Near Lake and Welland

Monthly cost

Estimated monthly cost

$2,719/mo

Mortgage
$2,435
Property tax
$284
Down payment$109,980 · 20%
Interest rate4.50%

Amortization

Estimate only, for illustration. Includes mortgage default insurance when less than 20% is put down. Speak with a lender for an exact figure.

Cash to close

Cash to close

$119,371

$109,980 down + $9,391 to $10,641 in closing costs

Ontario land transfer tax
$7,473
Legal fees and disbursements
$1,500 to $2,500
Title insurance
$250 to $500
Property tax adjustment
$168

Estimate only, not legal or tax advice. Rates as of 2026-10-14 from Ontario, City of Toronto and CMHC published rates. Legal and title figures are typical ranges. Adjustments assume the seller prepaid the closing month. First-time rebates have eligibility rules; confirm with your lawyer.

The listing information is deemed reliable but is not guaranteed accurate by PROPTX. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.

$549,900

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