Listed for:Listed 5 days ago
$424,900

44 Lowell Avenue

St. Catharines (Downtown), ON L2R 2E1

Multiplex For Sale
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 44 Lowell Avenue, St. Catharines, Downtown

No listing history available

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About 44 Lowell Avenue, St. Catharines, Downtown

Summarized Description

  • Charming duplex with versatile living options.
  • Spacious main floor with hardwood flooring.
  • Bright second-floor unit with two bedrooms.
  • Fully fenced backyard ideal for relaxation.
  • Excellent rental income potential of $3,650/month.
  • Recent updates including new sewer line and furnace.
  • Convenient location near amenities and transit.

CHARM, SPACE & VERSATILITY IN THIS ST. CATHARINES DUPLEX! Whether you're looking for a smart investment, an owner-occupied opportunity or the perfect multigenerational living arrangement, this charming 2-unit duplex offers plenty of possibilities!The extra-spacious main floor unit is filled with character, featuring beautiful hardwood flooring throughout, 2 generous bedrooms, a 4-piece bathroom, a functional kitchen and a bright, open-concept living and dining area with plenty of room to entertain. Enjoy direct access to the quaint, fully fenced backyard, along with convenient basement access for laundry and storage.The second-floor unit offers a bright and inviting 2-bedroom layout with a practical kitchen and comfortable living space. With estimated monthly rental potential of approximately $1,950 for the main floor and $1,700 for the upper unit, this property offers excellent income potential. Listing agents are happy to assist in securing tenants prior to closing!Outside, enjoy a charming, fully fenced backyard, perfect for relaxing, gardening or entertaining. The seller is also willing to add a single front-yard parking space if desired. Location is another standout feature! Conveniently situated close to schools, parks, public transit, shopping and everyday amenities, with quick access to both the QEW and Highway 406. Just minutes from the vibrant downtown St. Catharines hub, with its fantastic restaurants, shops and entertainment!Notable updates include a new sewer line (2025), roof improvements including a newer portion of the rear roof replaced in 2026 and the remaining 8-10 years old, an owned hot water tank (approx. 5 years), removal of all knob-and-tube wiring, two 100-amp breaker panels and a high-efficiency furnace (approx. 5 years).Live in 1, rent the other, or add a versatile income property to your portfolio! The two estimated rents total $3,650/month or $43,800/year in potential gross rental income, which is a nice selling feature for investors.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,020
Land Transfer Tax Fee
$4,973

Basement Type
Full, Unfinished

Interior Features

Laundry Level
Main Level
Interior Extras
Separate Hydro Meter, Storage, Water Heater Owned
Fireplace/Stove
No
Elevator
No

Exterior Features

Exterior Extras
Porch
Pool
None
Property Features
Hospital, Fenced Yard, School Bus Route, School, Public Transit, Place Of Worship
Other Structures
Fence - Full

Building

Building Type
Multiplex
Building Style
1 1/2 Storey
Approx Age
100+

Construction

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

Lot

Lot Front
27.00 ft
Lot Depth
97.50 ft

Parking & Garages

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

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
None
Water
Municipal
Sewers
Sewer

Bedrooms
4
Washrooms
2
Kitchens
2
Family / bonus room
Yes

Room sizes

  • Primary Bedroom—
    Main level
  • Bathroom—
    Upper level
  • Dining Room—
    Main level
  • Bathroom—
    Main level
  • Kitchen—
    Main level
  • Kitchen—
    Upper level
  • Living Room—
    Main level
  • Bedroom 2—
    Main level
  • Living Room—
    Upper level
  • Foyer—
    Main level
  • Workshop—
    Basement level
  • Utility Room—
    Basement level
  • Bedroom 3—
    Upper level
  • Bedroom 4—
    Upper level

Washrooms

  • 4-piece, Second
  • 4-piece, Main

Municipality
St. Catharines
Neighbourhood
Downtown
Main cross streets
Ontario St to Lowell Ave
Zoning
R2
Directions
Ontario St to Lowell Ave

MLS® number
X14094072
Data source
Toronto Regional Real Estate Board
Listed on
2026-10-19
Updated on
2026-10-20
Days on market
5 days
Possession type
Flexible
Co-op commission
2% + HST
Seller
Listed by
RE/MAX NIAGARA REALTY LTD, BROKERAGE

Home Market Value

Current home valuation for 44 Lowell Avenue, St. Catharines, Downtown, St. Catharines, ON. Listed for $424,900

HOMEH Estimate

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Estimated Sales Range

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HOMEH Estimate for 44 Lowell Avenue, 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

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

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

Minimum down payment

$21,245

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$16,146$11,855$10,113$0
=Total mortgage
$419,801$394,265$371,278$339,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,050monthly$1,925monthly$1,813monthly$1,660monthly
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Land Transfer Tax

Provincial

$4,973

Total Land Transfer Tax

$4,973

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