




3 Myrtle Avenue, St. Catharines, ON
L2M 5W2
Listed July 27, 2026
Virtual Tour
About this property
ATTENTION FIRST-TIME HOME BUYERS, INVESTORS & MULTI-GENERATIONAL FAMILIES! Welcome to this beautifully maintained legal duplex bungalow in the heart of St. Catharines ,situated on a generous 66' x 91.57' lot. This move-in-ready property offers exceptional value ,flexible living options, and excellent income potential. Conveniently located just minutes from the QEW, public transit, schools, shopping, parks, and everyday amenities, this home is ideal for both homeowners and investors. The main floor features a bright and spacious living room with hardwood flooring, pot lights ,crown moulding, and stylish accent walls. The updated eat-in kitchen boasts quartz countertops, a quartz backsplash, stainless steel appliances, and plenty of cabinet space. You'll also find2 spacious bedrooms and a large 4-piece bathroom with a separate shower and relaxing Jacuzzi tub. The main floor has been freshly painted in July 2026 and offers direct access to a large, fully fenced backyard-perfect for entertaining family and friends. The legal 2-bedroom basement apartment has its own separate entrance and features a spacious living area, modern kitchen with quartz countertops and stainless steel appliances, a 3-piecebathroom, luxury vinyl flooring, pot lights, and has been freshly painted in July 2026. A shared laundry room is conveniently located in the basement. Outside, enjoy a detached garage offering parking and additional storage, plus an extra-long double driveway with space for 4 vehicles, along with 1 garage parking space. Major updates include new plumbing (2021), new HVAC system (2021), upgraded electrical panel(2021), new hot water tank (2021), and complete exterior waterproofing (2022).Excellent income potential with estimated rents of approximately $2,000/month plus utilities for the main floor and $1,800/month plus utilities for the legal basement apartment. The large lot also offers exciting future potential for a garden suite (subject to municipal approvals).
Features
Property Details
Listing
Property
Parking & Land
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 3 Myrtle Avenue — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$119,800 · Minimum $34,900
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
$3,980/mo
About $47,760 a year
- $2,650
- $376
- Home insurance$125
- Utilities$330
- Maintenance & repairs$499
Cash needed to close
- Down payment (20%)
- $119,800
- Ontario land transfer tax
- $8,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $130,755
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
3 Myrtle Avenue, St. Catharines, ON
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Last Updated: July 27, 2026
Listing Office: RE/MAX GOLD REALTY INC.
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