44 North Street, St. Catharines

Price: $400,000

2 bedrooms, 2 bathrooms

700 - 1,099 sqft

Property Type: Multi-Family

MLS#: X13729510

Duplex for sale . Downtown area with high walk score. Close to 2 plazas, eating establishments, bus routes, Medical and more. Main floor unit has kitchen, bedroom, livingroom and 4 pc bath. Ceramic tile floors in Kitchen and bath and wood parquet flooring in Livingroom and bedroom. Upper unit has kitchen, living and bedroom area and 4 pc bath. ceramic floors in Kitchen and Bath. Livingroom has parquet and bedroom Laminate. Tenants on month to month.

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$400,000 - 44 North Street, St. Catharines

Multi-Family for Sale in St. Catharines

37 days on market

Neighbourhood: 451 - Downtown

2Beds
2Baths
700 - 1,099Sq Ft
Multi-Family

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Property Details
MLS Number
X13729510
Property Type
Multi-Family
Status
active
Days on Site
37
Bedrooms
2
Bathrooms
2
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Lot Size
3,552 sqft
Taxes (2025)
$3,144
Listing Brokerage
ROYAL LEPAGE NRC REALTY
Description

Duplex for sale . Downtown area with high walk score. Close to 2 plazas, eating establishments, bus routes, Medical and more. Main floor unit has kitchen, bedroom, livingroom and 4 pc bath. Ceramic tile floors in Kitchen and bath and wood parquet flooring in Livingroom and bedroom. Upper unit has kitchen, living and bedroom area and 4 pc bath. ceramic floors in Kitchen and Bath. Livingroom has parquet and bedroom Laminate. Tenants on month to month.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,052.21/mo

Includes CMHC insurance ($11,160)

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5-yr fixed avg.

Principal: $360,000Interest: $244,502
Mortgage Amount$371,160
Total Interest$244,502
Est. Property Tax$283/mo
Total Cost$615,662

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.

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Neighbourhood Guide: 451 - Downtown

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

Local Elementary SchoolPublic Elementary
Local Secondary SchoolPublic High School

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.

70
Walk Score
Varies
Price Range

44 North Street, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$2,400/mo
Range: $2,040 - $2,760
Cap Rate (ROI)
6.1%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$2,400
Maintenance Fees-$0
Property Tax (est.)-$283
Insurance (est.)-$83
Net Cash Flow+$2,034

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 Battaglia - Top Real Estate Agent in Mississauga, REMAX Realty Specialists

Joe's Thoughts

Honest perspective from 30+ years of GTA real estate experience

Competitive Pricing

At $571/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 37 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.

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.

Let's See It Together

Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.

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    44 North Street, St. Catharines | $400,000 | Battaglia Team