$398,500
43 York Street, St. Catharines, ON L2R 6C2
451 - Downtown · St. Catharines · L2R 6C2
Listing brokerage: RE/MAX GARDEN CITY REALTY INC, BROKERAGE
- Beds
- 4+2
- Baths
- 5
- Sq ft
- 1500–2000
- Parking
- 3
Monthly costs
Property taxes
$271/mo
$3,250 a year (2026)
The home
- Lot size
- 41 × 87.2 ft
- Style
- 2-Storey
- Basement
- Full, Finished, Finished with Walk-Out
- Parking
- 3 spots
- Faces
- West
- Heating · cooling
- Radiant, Window Unit(s)
- Possession
- ASAP Preferred
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.
All details20 more from the listing · Interior, Heating, Parking, Exterior, Utilities, Taxes, Listing
Interior
- Bedrooms
- 4+2
- Bathrooms
- 5
- Kitchens
- 4
- Rooms
- 11
- Size
- 1500-2000 sq ft
Features
- Other
Heating & Cooling
- Heat source
- Gas
Parking
- Covered spaces
- 0
Exterior & Lot
- Exterior
- Brick, Other
- Roof
- Asphalt Shingle
- Foundation
- Concrete
Utilities
- Sewer
- Sewer
Taxes & Fees
- HST
- Not Subject to HST
Listing
- MLS® number
- X13721904
- Type
- Duplex
- Transaction
- For Sale
- Neighbourhood
- 451 - Downtown
- Original price
- $425,000
- Cross streets
- Between Welland Avenue & Carlton Street
Rooms · 5Washroom ×5
2 × 3-piece washroom
Second
4-piece washroom
Main
2 × 3-piece washroom
Basement
History
Past listings and sales for this home and building.
Location
43 York Street, St. Catharines, ON L2R 6C2 · Near Between Welland Avenue & Carlton Street
Monthly cost
Estimated monthly cost
$2,035/mo
- Mortgage
- $1,764
- Property tax
- $271
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
$86,063
$79,700 down + $6,363 to $7,613 in closing costs
- Ontario land transfer tax
- $4,453
- Legal fees and disbursements
- $1,500 to $2,500
- Title insurance
- $250 to $500
- Property tax adjustment
- $160
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.
$398,500
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