




17 RAMSEY Street, St. Catharines, ON
L2N 2K3
Listed September 9, 2026
Property Tour
About this property
Welcome to this beautifully maintained home featuring two legal units in the desirable North End of St. Catharines. Situated on a generous 60 x 110 ft lot, this charming raised mansard bungalow offers incredible versatility for homeowners, investors, or those looking for a smart way to offset their living costs. The bright and spacious upper level features 2 bedrooms, full bathroom, and a thoughtfully designed layout with comfortable living, dining, and kitchen areas. The lower level features a legal second unit with its own kitchen, 2 bedrooms, full bathroom, and cozy living space-ideal for rental income, extended family, or additional flexibility. Set on an oversized corner lot, the property also offers potential for an ADU (see site plan), subject to municipal approvals and requirements. The home could easily be enjoyed as two units or converted back into a single-family residence, giving future owners a variety of options to suit their needs. Outside, the fully fenced backyard is a wonderful private retreat, surrounded by mature trees and offering plenty of space to relax, entertain, and enjoy the outdoors. The expansive 8+ car driveway provides exceptional parking and added convenience.A well-cared-for property in a quiet, family-friendly neighbourhood, offering the rare combination of income potential, flexible living options, generous outdoor space, and future possibilities.
Features
Property Details
Listing
Property
Parking & Land
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 17 RAMSEY Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$153,800 · Minimum $51,900
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
$4,922/mo
About $59,064 a year
- $3,402
- $424
- Home insurance$125
- Utilities$330
- Maintenance & repairs$641
Cash needed to close
- Down payment (20%)
- $153,800
- Ontario land transfer tax
- $11,855
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $168,155
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 RAMSEY Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 9, 2026
Listing Office: REVEL Realty Inc., Brokerage
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