




148 Geneva Street, St. Catharines, ON
L3R 4N9
Listed September 21, 2026
About this property
1870 HERITAGE HOME in St. Catharines! Beyond its heritage appeal, the property is zoned R3, offering a wide variety of potential uses subject to buyer verification. Whether you invision a restored single-family residence, a multi-unit conversion, professional office, live/work space, or another permitted use, this zoning provides flexibilty rarely found in a home of this character. The property enjoys excellent visibility and convenient access to downtown St. Catharines, transit, amenities and major routes, close to the QEW. This spacious 5+ bedroom, 4 bathroom home showcases original details that simply cannot be replicated, from historic millwork and trim to period charm throughout. An adjacent studio apartment with its own entrance also compliments this historic structure. An oversized 2 car garage with workshop sits on this extra large lot 122' X 74' as well. Some remodelling and updates has been completed. Roof (2022) new oil tank (2024). This property offers excellent income potential and is currently being offered as a short term rental situation with excellent tenants and income. A truly unique offering for heritage enthusiasts, investors, and visionaries alike. 148 Geneva invites you to preserve the past while shaping the future. In the past this property has been used as an antique shop & art studio.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 148 Geneva Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$139,800 · Minimum $44,900
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$4,607/mo
About $55,284 a year
- $3,092
- $477
- Home insurance$125
- Utilities$330
- Maintenance & repairs$583
Cash needed to close
- Down payment (20%)
- $139,800
- Ontario land transfer tax
- $10,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $152,755
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
148 Geneva Street, St. Catharines, ON
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Last Updated: September 21, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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