$599,000 - 4 Kirk Street, St. Catharines
Multi-Family for Sale in St. Catharines
Neighbourhood: 458 - Western Hill
- MLS Number
- X13466328
- Property Type
- Multi-Family
- Status
- active
- Days on Site
- 18
- Bedrooms
- 6
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- EXP REALTY
Welcome to 4 Kirk St., an exceptional investment opportunity in a highly desirable St. Catherines location. This move-in-ready legal duplex offers two self-contained units, each featuring separate hydro and gas meters along with their own washer, dryer, air conditioner and dishwasher . Separate entrances ensure total privacy. These features, along with loads of natural light, create extremely appealing units for tenants. The four-bedroom unit features modern flooring with an oversized living area and separate dining spot. There are 3 bedrooms and a washroom on the main floor, with the 4th bedroom and storage located on the lower level. The rear unit has 2 bedrooms, full washroom and kitchen, along with storage. Ideally situation just minutes from Brock University, shopping, restaurants, transportation and everyday amenities, this property is perfectly positioned for strong rental demand. Whether you're an investor seeking a turnkey income-producing asset, or a buyer looking to offset mortgage costs by living in one unit while renting the other, this property delivers outstanding flexibility and value. This is a rare opportunity to own a well-maintained duplex in a prime location with excellent income potential.
Estimate your monthly payments for this property
Estimated Payment
$3,073.18/mo
Includes CMHC insurance ($16,712)
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 458 - Western Hill
458 - Western Hill 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 458 - Western Hill
- •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
458 - Western Hill 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.
4 Kirk Street, 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 $856/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.
Market Position
At 18 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.
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 6 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.
About 458 - Western Hill
I know 458 - Western Hill 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 $2,496 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.