$749,900 - 15 Old Oxford Road, St. Catharines
Multi-Family for Sale in St. Catharines
Popular ListingNeighbourhood: 442 - Vine/Linwell
- MLS Number
- X13477810
- Property Type
- Multi-Family
- Status
- active
- Days on Site
- 14
- Bedrooms
- 5
- Bathrooms
- 3
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX NIAGARA REALTY LTD, BROKERAGE
Located in a mature, quiet north-end St. Catharines neighbourhood, this fully updated legal side-split duplex is a turnkey income property delivering $50,640 in gross annual rent with tenants covering their own hydro - built the way a cash-flowing investment property should be. Two completely self-contained units, separate hydro meters, private entrances, and independent in-suite laundry for each suite mean zero shared infrastructure, zero utility disputes, and zero landlord headaches - a clean, low-maintenance ownership structure from day one. The main-level unit is bright and well-proportioned, with large windows pulling natural light into an open-concept living and dining area; the kitchen has been modernized with quartz countertops and new appliances, including a dishwasher, complemented by three solid bedrooms, a four-piece quartz bathroom, and a dedicated washer and dryer. The lower suite is accessed through a private rear entrance and offers a surprisingly functional layout: a generously sized primary bedroom with two above-grade windows, a two-piece bathroom on that level, plus an open-concept kitchen, dining, and living area with a new stove and fridge, a full three-piece bathroom, and its own in-suite laundry. Both units have been freshened with new paint and carpet-free vinyl flooring throughout, and the water heater is owned - no rental contracts to inherit. Current combined rent is $4,220 per month with both units occupied and tenants paying their own hydro, steps from Walker's Creek Park and a short drive to Fairview Mall, the QEW, local schools, and everyday amenities - a location that attracts and retains quality long-term tenants. Showings with notice.
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 442 - Vine/Linwell
442 - Vine/Linwell 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 442 - Vine/Linwell
- •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
442 - Vine/Linwell 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.
15 Old Oxford Road, St. Catharines
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Rental income estimator & ROI calculator
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
Fair Market Value
At $1071/sqft, this property is priced in line with current St. Catharines market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Efficient Living
At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.
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 3 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 442 - Vine/Linwell
I know 442 - Vine/Linwell 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.
Investment Perspective
Looking at this as an investment: St. Catharines properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $3,125 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.