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451 - Downtown, St. Catharines
$475,000
Centrally located two-storey duplex offering incredible potential for investors, contractors, or buyers looking for a full renovation project. This vacant property requires extensive cosmetic updates throughout and should be viewed as an opportunity to completely transform the space and make it your own. The home features a functional layout with 3 bedrooms and 2.5 bathrooms in the main unit, including a primary bedroom with an ensuite and walk-in closet. The basement unit has a separate entrance with 1 bedroom and 1 bathroom, offering excellent future income potential once renovated. With no rear neighbours and mature trees, the backyard has the potential to become a private oasis. Conveniently located close to shopping, grocery stores, restaurants, and just minutes from the QEW, this property is ideal for commuters and those looking to add value through significant improvements.
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| Type | Detached |
| Style | 2-Storey |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,850 |
| Lot Size | 26.6 ft x 100 ft |
| mls© Number | X13604036 |
| 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%
- $2,431
- Property tax
- $321
- Heat allowance
- $150
- Housing costs
- $2,902 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$89,000
gross annual household income
- Payment at 4%
- $1,999 / mo
- Cash down
- $95,000
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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