




18 Josephine Street, St. Catharines, ON
L2S 1J2
Listed October 28, 2026
About this property
Expertly crafted by a custom builder, this exceptional legal duplex offers two beautifully finished, fully self-contained residences, quality construction and the added peace of mind of a Tarion warranty. Ideal for investors, multigenerational families or those seeking to offset ownership costs with rental income, the property offers remarkable flexibility without sacrificing privacy.Occupying the main and upper floors, the spacious two-storey residence features three bedrooms, including a principal bedroom with ensuite privilege. Generous windows fill the home with natural light, while the thoughtfully designed kitchen features a peninsula for meal preparation and casual dining. Patio doors open to a composite rear deck, perfect for outdoor dining, entertaining or simply quiet relaxation.The inviting lower-level residence is equally well appointed, offering two bedrooms, a comfortable living room and a stylish kitchen with an island. With its own dedicated living spaces, it provides an excellent option for tenants or extended family. Both residences include appliances, separate utility systems and individually owned on-demand hot water systems, enhancing convenience and independence. A composite front porch and driveway parking add to the property's appeal. Conveniently located near the train station, everyday amenities and highway access, this custom-built duplex combines modern comfort, thoughtful design and exceptional versatility. A remarkable blend of craftsmanship, comfort, and investment potential! Discover the possibilities
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 18 Josephine Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$165,800 · Minimum $57,900
Use the rate your lender or broker quotes you.
Monthly costs
Estimated at about 0.8% of the price — the listing doesn't show the tax.
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
$5,366/mo
About $64,392 a year
- $3,667
- $553
- Home insurance$125
- Utilities$330
- Maintenance & repairs$691
Cash needed to close
- Down payment (20%)
- $165,800
- Ontario land transfer tax
- $13,055
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $181,355
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
18 Josephine Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 28, 2026
Listing Office: RE/MAX NIAGARA REALTY LTD, BROKERAGE
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