Sold for:Sold May 29, 2026
$515,000

19 Water Street

St. Catharines (Downtown), ON L2R 4T6

Detached House SoldNot available

Property not available for sale or for rent.

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Sale & Price History for 19 Water Street, St. Catharines, Downtown

2026-05-14
2026-05-29
Sold
Price
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MLS#
x13132072

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 19 Water Street, St. Catharines, Downtown

Summarized Description

  • 1.5 storey home in downtown St.
  • Catharines.
  • Fully self-contained in-law unit with separate entrance.
  • Main and upper floors fully renovated.
  • Custom kitchen with quartz countertops and stainless appliances.
  • Large fenced backyard in a quiet area.
  • Close to coffee, groceries, and restaurants.
  • Ideal for multi-generational living.

This solid 1.5 storey home in the heart of downtown St. Catharines checks a lot of boxes, but the one that might matter most right now is this: a fully self-contained 1-bedroom in-law unit in the lower level with its own walk-out separate entrance. This layout also works beautifully for multi-generational living. Whether it's aging parents who want their own space, adult kids coming back home, or a family that simply wants two households under one roof, the separation is there without anyone feeling like they're on top of each other. The main and upper floors have been fully renovated and done right. New custom kitchen with quartz countertops, stainless appliances, and tons of storage, new luxury vinyl plank flooring throughout. Two full bathrooms. Three bedrooms up, plus the suite below. Outside, you've got a large fully fenced backyard and a quiet residential street that's still walkable to everything the downtown has to offer. Coffee, groceries, restaurants, it's all close by. If you've been watching the market wondering how you'd ever make the numbers work, this home is definitely one to see.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$2,826
Land Transfer Tax Fee
$6,775

Basement Type
Finished with Walk-Out, Full

Interior Features

Laundry Level
Lower Level
Interior Extras
Accessory Apartment
Fireplace/Stove
No
Elevator
No

Exterior Features

Exterior Extras
Deck, Patio, Porch
Pool
None
Other Structures
Garden Shed, Greenhouse, Storage

Building

Building Type
Detached
Building Style
1 1/2 Storey
Approx Age
51-99

Construction

Exterior Finish
Vinyl Siding
Roof
Shingles
Foundation Details
Stone
Special Designation
Unknown

Lot

Lot Front
40.00 ft
Lot Depth
89.00 ft

Inclusions

Inclusions
2 Refrigerators, 2 Stoves, dishwasher (upper), Washer, Dryer, Shelterlogic Auto Shelter 10x20, greenhouse.

Exclusions

Exclusions
Seller states none.

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
2
Total Garage And Parking Spaces
2

Heating & Cooling

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

Bedrooms
3 + 1
Washrooms
2
Kitchens
2

Room sizes

  • Living Room—
    Main level
  • Dining Room—
    Main level
  • Kitchen—
    Main level
  • Bedroom—
    Main level
  • Bedroom 2—
    Main level
  • Bathroom—
    Main level, 4 Pc Bath
  • Primary Bedroom—
    Second level
  • Living Room—
    Basement level
  • Bedroom—
    Basement level
  • Kitchen—
    Basement level
  • Bathroom—
    Basement level

Washrooms

  • 4-piece, Main
  • 4-piece, Basement

Municipality
St. Catharines
Neighbourhood
Downtown
Main cross streets
Welland/ Geneva
Directions
ask Siri

MLS® number
X13132072
Data source
Toronto Regional Real Estate Board
Status change
2026-05-29
Listed on
2026-05-14
Days on market
15 days
Possession type
30-59 days
Co-op commission
2%
Seller
Listed by
BOSLEY REAL ESTATE LTD.,

Home Market Value

Current home valuation for 19 Water Street, St. Catharines, Downtown, St. Catharines, ON. Listed for $515,000

HOMEH Estimate

?

$517,000

Estimated Sales Range

?

$408,430 - $625,570

HOMEH Estimate for 19 Water Street, St. Catharines, Downtown

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

$517,000Medium confidence
Based on 14 comparable properties
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Catharines, ON
Minimum Down Payment Required:5.1%

5% on first $500K + 10% on $15,000 over $500K

Minimum down payment

$26,500

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$19,529$14,369$12,257$0
=Total mortgage
$507,749$477,869$450,007$412,000
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,479monthly$2,333monthly$2,197monthly$2,012monthly
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Land Transfer Tax

Provincial

$6,775

Total Land Transfer Tax

$6,775

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8/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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