
4020 Main Street, Niagara Falls, ON
L2G 6B8
Listed November 10, 2026
About this property
Looking for a property that offers space, versatility and income potential? This unique commercial/residential property is ideally situated along a main artery in the heart of Chippawa, offering an outstanding opportunity for business owners, investors or entrepreneurs looking to establish or expand their business.The main floor features a storefront and 1 bedroom apartment, providing excellent potential for retail, professional offices, a service-based business or further commercial use. The upper level offers a spacious, well-maintained 3-bedroom residential apartment, creating an opportunity for additional rental income or owner-occupied living.A major highlight is the impressive 30' x 25' heated garage/workshop at the rear, ideal for tradespeople, contractors, mechanics, hobbyists or businesses requiring dedicated workspace. Features include a radiant gas tube heater, 60 AMP electrical service, 12-foot ceilings, two overhead doors (9' x 9' and 9' wide), plus an attached 14.6' x 25' storage room.Set on a generous lot in a high-visibility location, this property is just steps from the Welland River (affectionately known as "The Crick"), a nearby boat launch and Chippawa's charming downtown square. With its combination of commercial space, residential accommodations and substantial workshop facilities, the possibilities are endless.Operate your business, generate rental income, live upstairs or explore the potential to expand the property's use. An exciting opportunity to invest in a versatile commercial property in one of Niagara Falls' established communities!
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Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 4020 Main Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$133,800 · Minimum $133,800
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From the listing (2026 tax bill).
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One-time costs
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Estimated monthly cost of ownership
$3,301/mo
About $39,612 a year
- $2,959
- $342
Cash needed to close
- Down payment (20%)
- $133,800
- Ontario land transfer tax
- $9,855
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $146,155
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
4020 Main Street, Niagara Falls, ON
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Last Updated: November 10, 2026
Listing Office: REALTY EXECUTIVES PLUS LTD, BROKERAGE
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