




218 LAKE Street, St. Catharines, ON
L2R 5Z2
Listed October 16, 2026
About this property
Welcome to 218 Lake Street, a charming 2-bedroom, 2-bathroom detached home in St. Catharines' desirable Haig neighbourhood. The updated main floor features a bright open-concept living and dining area, a modern kitchen with quartz countertops and stainless steel appliances, two comfortable bedrooms, and an updated bathroom. The kitchen offers direct access to the backyard, making summer BBQs and outdoor entertaining easy. Enjoy the private, fully fenced backyard with mature landscaping, established gardens, and a spacious deck-perfect for relaxing, gardening, or hosting friends. A standout feature is the detached garage, transformed into a finished entertaining and flex space complete with a bar, refrigerator, and air conditioning. Use it as a hangout, game room, hobby space, or home office. Additional attic storage is accessible by a pull-down ladder. The lower level offers laundry, storage, a recreation/den area, and a large 3-piece bathroom with a clawfoot tub. With approximately 5'10" ceiling height, the basement is best suited for recreation, hobbies, and storage rather than conventional additional living space or a secondary suite. Conveniently located near downtown St. Catharines, restaurants, cafés, groceries, parks, schools, and everyday amenities. Buyers should expect some street activity, while the fenced backyard offers a more private outdoor retreat. A pre-listing home inspection is available to interested buyers. If you're looking for an updated main floor, a beautiful backyard, unique entertaining space, and an urban location without needing a finished basement or secondary suite, 218 Lake Street is worth a look!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 218 LAKE Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$85,980 · Minimum $21,495
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 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
$2,955/mo
About $35,460 a year
- $1,902
- $240
- Home insurance$125
- Utilities$330
- Maintenance & repairs$358
Cash needed to close
- Down payment (20%)
- $85,980
- Ontario land transfer tax
- $5,073
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $93,553
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
218 LAKE Street, St. Catharines, ON
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Last Updated: October 16, 2026
Listing Office: REAL BROKER ONTARIO LTD.
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