4 Manchester Avenue, St. Catharines, ON
L2R 1N8
Listed October 23, 2026
About this property
Turnkey Triplex with Strong Cash Flow Just Minutes from Downtown St. Catharines. Fully tenanted and well-maintained, this income-generating property features three all-inclusive units: two spacious 2-bedroom units and one 1-bedroom unit, each with its own 4-piece bathroom. The upper and lower units were extensively renovated in 2020 with updated kitchens, bathrooms, flooring, appliances, and fresh paint. Additional improvements include newer second-floor windows and a sump pump, both installed in 2020, helping minimize future maintenance costs. Conveniently located near downtown, transit, shopping, restaurants, parks, and other amenities, the property benefits from strong rental demand and immediate cash flow. An excellent opportunity for investors seeking a turnkey asset or first-time buyers looking to significantly offset their mortgage with rental income.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 4 Manchester Avenue — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$95,000 · Minimum $23,750
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
$3,229/mo
About $38,748 a year
- $2,101
- $277
- Home insurance$125
- Utilities$330
- Maintenance & repairs$396
Cash needed to close
- Down payment (20%)
- $95,000
- Ontario land transfer tax
- $5,975
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $103,475
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
4 Manchester Avenue, St. Catharines, ON
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Last Updated: October 23, 2026
Listing Office: RE/MAX NIAGARA REALTY LTD, BROKERAGE
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