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Price Change$499,900

173 Lake Street

451 - Downtown, St. Catharines

$484,900

Detached|2-Storey
4 | 2 | 1
About this home

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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agent
Angela Montano
(647) 283-2643
TypeDetached
Style2-Storey
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$3,144
Lot Size35 ft x 145 ft
mls© NumberX13153270
Listed ByRE/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.

Down payment20% · $96,980
25-yr amortization

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 check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

Values and trends

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