20 Kirk Street, St. Catharines, ON
L2S 1B7
Listed October 27, 2026
Virtual Tour
About this property
Move In and Enjoy!!This lovely home is full of charm, character, and some pretty impressive updates! Let's start with the big-ticket items. Roof (2020), furnace and A/C (2026), hot water tank (2024), plus a few other notable improvements. Come for the quirky layout, but stay for the coziness! Featuring 3 bedrooms, including one conveniently located on the main floor, a separate dining area, a spacious kitchen with plenty of room for everyone to pitch in, and a single-car garage ( 15x19 ) with a 35 amp panel. Step outside and enjoy the brand-new front deck, completed just a month ago! Freshly painted and ready for its next chapter, this home is just a 5-minute walk to school and close to parks and bus routes, while still offering the privacy and peaceful feel of a quiet neighbourhood. A little charm, a little character, and a whole lot to love!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 20 Kirk Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$77,000 · Minimum $19,250
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
$2,706/mo
About $32,472 a year
- $1,703
- $227
- Home insurance$125
- Utilities$330
- Maintenance & repairs$321
Cash needed to close
- Down payment (20%)
- $77,000
- Ontario land transfer tax
- $4,250
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $83,750
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
20 Kirk Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 27, 2026
Listing Office: EXP REALTY
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