17 Gerrard Street, St. Catharines, ON
L2R 5S8
Listed October 16, 2026
About this property
A rare find in the downtown core, this solid double brick home sits on a quiet street with a wide lot, parking for up to three vehicles and Montebello Park just minutes away. Inside, hardwood flooring runs through the main and upper levels, complemented by a bright open kitchen, two bedrooms plus a separate office, and 1.5 bathrooms. The upper level also features convenient second floor laundry and a bathroom with a separate tub and shower.The full height, fully finished basement provides excellent additional living space, while the low maintenance backyard is perfect for relaxing or entertaining. Enjoy the best of downtown living with shops, restaurants, parks and everyday amenities all close by.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 17 Gerrard Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$104,980 · Minimum $27,490
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 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
$3,498/mo
About $41,976 a year
- $2,322
- $284
- Home insurance$125
- Utilities$330
- Maintenance & repairs$437
Cash needed to close
- Down payment (20%)
- $104,980
- Ontario land transfer tax
- $6,973
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $114,453
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
17 Gerrard Street, St. Catharines, ON
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Last Updated: October 16, 2026
Listing Office: REALTY NETWORK
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