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451 - Downtown, St. Catharines
$484,900
Welcome to 173 Lake Street, St. Catharines, a beautifully updated 4-bedroom, 2-bathroom home that blends modern upgrades with timeless charm. Nearly every aspect of this property has been renovated, including a brand-new kitchen, updated bathrooms, new electrical throughout with ESA approval, and fully refreshed interior spaces. The basement and main levels were completely redone in 2026, with the upper floor renovated in 2022, complemented by fresh interior paint in 2026 and exterior paint completed in 2022. Major mechanical updates include a new furnace and water tank installed in 2021, offering peace of mind for years to come. Outside, enjoy a freshly painted porch and a newly laid parking pad completed in 2026. This move-in-ready home is an exceptional opportunity for families, first-time buyers, or investors looking for a turnkey property in a convenient St. Catharines location.
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| Type | Detached |
| Style | 2-Storey |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,144 |
| Lot Size | 35 ft x 145 ft |
| mls© Number | X13153270 |
| Listed By | RE/MAX NIAGARA REALTY LTD, BROKERAGE |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,482
- Property tax
- $262
- Heat allowance
- $150
- Housing costs
- $2,894 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$89,000
gross annual household income
- Payment at 4%
- $2,041 / mo
- Cash down
- $96,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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