$749,900 - 148 Geneva Street, St. Catharines
Multi-Family for Sale in St. Catharines
Neighbourhood: 451 - Downtown
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- MLS Number
- X13811482
- Property Type
- Multi-Family
- Status
- active
- Days on Site
- 16
- Bedrooms
- 5
- Bathrooms
- 4
- Square Feet
- 3,000 - 3,499 sqft
- Neighbourhood
- St. Catharines
- Taxes (2026)
- $5,723
- Listing Brokerage
- ROYAL LEPAGE NRC REALTY
1870 HERITAGE HOME in St. Catharines! Beyond its heritage appeal, the property is zoned R3, offering a wide variety of potential uses subject to buyer verification. Whether you invision a restored single-family residence, a multi-unit conversion, professional office, live/work space, or another permitted use, this zoning provides flexibilty rarely found in a home of this character. The property enjoys excellent visibility and convenient access to downtown St. Catharines, transit, amenities and major routes, close to the QEW. This spacious 5+ bedroom, 4 bathroom home showcases original details that simply cannot be replicated, from historic millwork and trim to period charm throughout. An adjacent studio apartment with its own entrance also compliments this historic structure. An oversized 2 car garage with workshop sits on this extra large lot 122' X 74' as well. Some remodelling and updates has been completed. Roof (2022) new oil tank (2024). This property offers excellent income potential and is currently being offered as a short term rental situation with excellent tenants and income. A truly unique offering for heritage enthusiasts, investors, and visionaries alike. 148 Geneva invites you to preserve the past while shaping the future. In the past this property has been used as an antique shop & art studio.
Estimate your monthly payments for this property
Estimated Payment
$3,847.38/mo
Includes CMHC insurance ($20,922)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover 451 - Downtown
451 - Downtown is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in 451 - Downtown
- •Convenient location in St. Catharines
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
451 - Downtown offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
148 Geneva Street, St. Catharines
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $250/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Market Position
At 16 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
Larger Home Realities
At 3,000 sqft, this is a substantial home. Budget approximately $400-600/month more for utilities compared to an average-sized home. Maintenance costs scale with size too - roof, HVAC, and cleaning all cost more. That said, space is a luxury that's hard to add later, and larger homes often have better resale in family-oriented neighbourhoods.
Excellent Flexibility
With 5 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in St. Catharines.
Bathroom Count Matters
With 4 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
About 451 - Downtown
I know 451 - Downtown well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.