
164 Lake Street
St. Catharines (Downtown), ON L2R 5Y7
- 2Bedrooms
- 2Bathrooms
- 8Parking
- 1100–1500Sq Ft
- $3,003Tax
- 33×120 ftLot Size
- Free EstimateSee Free Estimate Report
Sale & Price History for 164 Lake Street, St. Catharines, Downtown
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 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
5% of purchase price for homes $500K or less
$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 |
Land Transfer Tax
$5,173
$5,173
Around this home
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