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451 - Downtown, St. Catharines
$479,000
Tucked into a quiet mid-town neighbourhood, this classic two-storey blends timeless character with the kind of updates that let you move in and simply enjoy it. Start your mornings on the covered front porch, spend summer evenings hosting friends on the brand-new rear deck, then take a short 12-minute stroll to Montebello Park for concerts, festivals, and everything that makes downtown St. Catharines such a vibrant place to live. With the QEW, Highway 406, shopping, restaurants, and everyday essentials just minutes away, this location makes getting around effortless. The 30' x 90' lot is private, fenced, and surrounded by mature trees, offering just enough outdoor space to enjoy without spending every weekend maintaining it. A large shed at the rear of the mutual driveway provides excellent storage or covered parking for one vehicle. Inside, you'll find the details that give older homes their personality. Refinished original hardwood floors, warm wood trim, generous principal rooms, and a dedicated dining area create a home that feels welcoming from the moment you step inside. The kitchen offers plenty of cabinet space and opens to a practical rear vestibule that's perfect for coats, shoes, and keeping everyday clutter out of sight. Upstairs are three comfortable bedrooms, each with its own closet, along with a renovated 4-piece bathroom. The partially finished basement adds valuable bonus space with a rec room, laundry area, two-piece bathroom, and mechanical/storage space. Recent improvements include roof shingles (2025), rear deck (2025), upstairs carpet (2023), updated 100-amp electrical service with ESA certification, a replaced main plumbing stack, plus updated wiring, switches, receptacles, and fixtures. Whether you're buying your first home, adding to your investment portfolio, or looking for a home with authentic character and practical updates in a walkable location, 26 Lowell Avenue is ready for its next chapter!
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| Type | Detached |
| Style | 2-Storey |
| Approx. Age | 100+ |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,038 |
| Lot Size | 30 ft x 97.1 ft |
| mls© Number | X13508002 |
| Listed By | EXP REALTY |
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%
- $2,452
- Property tax
- $253
- Heat allowance
- $150
- Housing costs
- $2,855 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$88,000
gross annual household income
- Payment at 4%
- $2,016 / mo
- Cash down
- $95,800
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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