Listed for:Listed Aug 17, 2026
$434,900

164 Lake Street

St. Catharines (Downtown), ON L2R 5Y7

Multiplex For Sale
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 164 Lake Street, St. Catharines, Downtown

No listing history available

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About 164 Lake Street, St. Catharines, Downtown

Summarized Description

  • Unique character duplex with income potential.
  • Open-concept layout with stylish kitchen.
  • Jacuzzi tub bathroom adds luxury.
  • Fenced yard and large rear deck.
  • Double garage and ample parking available.
  • Centrally located with easy highway access.
  • Renovated units with major improvements.
  • Flexible living options for families or investors.

Character, Income & Convenience - A Duplex With Personality! Unique character duplex, very well taken care of, with fantastic income potential and plenty of parking, outdoor space and updates! Whether you're looking for an investment property, a mortgage helper, or a comfortable home for the extended family, this one offers flexibility that is hard to find. The upstairs unit is truly one-of-a-kind, blending a cool retro vibe with an art-deco-inspired feel. The bright, modern open-concept layout features a charming pot-belly stove, stylish kitchen and an incredible jacuzzi tub bathroom. A staircase leading to the storage loft adds even more character and visual appeal. Both units have convenient side-door access to the shared laundry and basement. The main-floor unit is equally inviting, featuring a character-filled living room with fireplace, currently being used as a second bedroom, and stained glass windows. The primary bedroom has sliding glass doors onto a large rear deck, creating a wonderful indoor/outdoor living space. Outside, you'll find a fenced yard, front and rear decks, a double garage and three-point parking at the rear - plenty of room for vehicles, tenants and entertaining. Major improvements and features include waterproofed basement, mostly newer windows, renovated units and low-maintenance outdoor spaces. And the location is hard to beat - centrally located with easy access to the highway, shopping and everyday amenities. Live in one unit and rent out the other to help with the mortgage, add this to your investment portfolio, or keep it as a fantastic extended-family setup. The possibilities are yours! Unique character. Multiple income options. Plenty of parking, great location. Just collect the rent!

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,003
Land Transfer Tax Fee
$5,173

Rental Items

Rental Equipment
none

Basement Type
Full, Unfinished, Walk-Out, Separate Entrance

Interior Features

Laundry Level
Lower Level
Interior Extras
Carpet Free, In-Law Suite, In-Law Capability, Separate Hydro Meter
Fireplace/Stove
Yes
Fireplace Features
Wood, Natural Gas
Elevator
No

Exterior Features

Pool
None
Property Features
Place Of Worship, Public Transit, Fenced Yard

Building

Building Type
Multiplex
Building Style
2-Storey

Construction

Exterior Finish
Vinyl Siding
Roof
Asphalt Shingle
Foundation Details
Stone
Special Designation
Unknown

Lot

Lot Front
33.00 ft
Lot Depth
120.00 ft

Inclusions

Inclusions
washer, dryer, 2 stoves, 2 fridges

Exclusions

Exclusions
main floor tenants possessions

Parking & Garages

Garage Type
Detached
Garage Spaces
2
Parking Spaces
6
Total Garage And Parking Spaces
8

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer

Bedrooms
2
Washrooms
2
Kitchens
2

Washrooms

  • 4-piece

Municipality
St. Catharines
Neighbourhood
Downtown
Main cross streets
Pleasant St
Zoning
R3
Directions
Near Carlton, just past Russell St

MLS® number
X13685044
Data source
Toronto Regional Real Estate Board
Listed on
2026-08-17
Updated on
2026-10-16
Days on market
62 days
Possession type
Flexible
Co-op commission
2
Seller
Listed by
Century 21 Heritage House LTD

Home Market Value

Current home valuation for 164 Lake Street, St. Catharines, Downtown, St. Catharines, ON. Listed for $434,900

HOMEH Estimate

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Estimated Sales Range

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HOMEH Estimate for 164 Lake Street, St. Catharines, Downtown

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Catharines, ON
Minimum Down Payment Required:5.0%

5% of purchase price for homes $500K or less

Minimum down payment

$21,745

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$16,526$12,134$10,351$0
=Total mortgage
$429,681$403,544$380,016$347,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,098monthly$1,970monthly$1,855monthly$1,699monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$5,173

Total Land Transfer Tax

$5,173

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