172 Lake Street, St. Catharines, ON
L2R 5Y9
Listed September 16, 2026
About this property
Look no further! This beautiful home is perfect for first-time buyers or if you are looking to downsize. Renovated throughout, this home has great curb appeal, with new siding (2022), and a covered front porch with modern glass railing. The bright, open main floor features living room, dining room, kitchen with convenient breakfast bar, and updated 2 piece bathroom. On the second floor, you will find two spacious bedrooms with generous closet space, and an updated full 4 piece bathroom. The basement with laundry area has good ceiling height and offers potential to finish for additional living or home office space. Detached garage with newer concrete floor/garage door and roof (2021). Parking is not a concern with a large, newly paved, private driveway, offering plenty of room for guests with space for four vehicles. Conveniently located close to shopping, restaurants, and all amenities. Just a short walking distance to schools, plus quick and easy highway access. This lovely home is ready for you to move in!
Features
Property Details
Listing
Property
Parking & Land
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 172 Lake Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$105,000 · Minimum $27,500
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
$3,469/mo
About $41,628 a year
- $2,322
- $255
- Home insurance$125
- Utilities$330
- Maintenance & repairs$437
Cash needed to close
- Down payment (20%)
- $105,000
- Ontario land transfer tax
- $6,975
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $114,475
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
172 Lake Street, St. Catharines, ON
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Last Updated: September 16, 2026
Listing Office: EXP REALTY
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