53 Kinsey Street, St. Catharines

Price: $449,000

3 bedrooms, 2 bathrooms

1,100 - 1,499 sqft

Property Type: Multi-Family

MLS#: X13479766

Rare opportunity to own a legal duplex in a prime St. Catharines location with vacant possession of both units. Whether you're an investor looking to maximize rental income with market rents or a buyer seeking a mortgage helper, this property offers exceptional flexibility. The main level features a spacious 2-bedroom unit with basement access, while the upper level offers a bright 1-bedroom suite with its own private entrance. Situated on a generous lot with ample parking, a large backyard, and efficient radiant heating, this property is ideally located near Ridley College, Brock University, downtown St. Catharines, major transit routes, schools, shopping, and healthcare facilities. An excellent opportunity to live in one unit and rent the other, or add a turnkey income property to your portfolio.

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$449,000 - 53 Kinsey Street, St. Catharines

Multi-Family for Sale in St. Catharines

Popular Listing

Neighbourhood: 458 - Western Hill

3Beds
2Baths
1,100 - 1,499Sq Ft
Multi-Family
Property Details
MLS Number
X13479766
Property Type
Multi-Family
Status
active
Days on Site
14
Bedrooms
3
Bathrooms
2
Square Feet
1,100 - 1,499 sqft
Neighbourhood
St. Catharines
Listing Brokerage
EXP REALTY
Description

Rare opportunity to own a legal duplex in a prime St. Catharines location with vacant possession of both units. Whether you're an investor looking to maximize rental income with market rents or a buyer seeking a mortgage helper, this property offers exceptional flexibility. The main level features a spacious 2-bedroom unit with basement access, while the upper level offers a bright 1-bedroom suite with its own private entrance. Situated on a generous lot with ample parking, a large backyard, and efficient radiant heating, this property is ideally located near Ridley College, Brock University, downtown St. Catharines, major transit routes, schools, shopping, and healthcare facilities. An excellent opportunity to live in one unit and rent the other, or add a turnkey income property to your portfolio.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,303.60/mo

Includes CMHC insurance ($12,527)

$
$
5%10%50%

5-yr fixed avg.

Principal: $404,100Interest: $274,454
Mortgage Amount$416,627
Total Interest$274,454
Est. Property Tax$318/mo
Total Cost$691,081

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: 458 - Western Hill

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

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

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.

70
Walk Score
Varies
Price Range

53 Kinsey Street, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$2,800/mo
Range: $2,380 - $3,220
Cap Rate (ROI)
6.4%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$2,800
Maintenance Fees-$0
Property Tax (est.)-$318
Insurance (est.)-$94
Net Cash Flow+$2,388

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 $408/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.

Starter Home Potential

3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.

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.

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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    53 Kinsey Street, St. Catharines | $449,000 | Battaglia Team