407 Welland Avenue, St. Catharines, ON
L2M 5T9
Listed October 29, 2026
About this property
Duplex in central location near highway access, public transit, shopping and more. 3 Bedroom unit is currently vacant. Choose your own tenant and set your own rent. 1 Bedroom unit is currently rented at $1200 per month plus hydro. Plenty of parking at rear of building for 3+ cars. Back unit offers laminate flooring, spacious kitchen with white cabinets, 3 good sized bedrooms on the 2nd floor and a 5 pc bath. Front unit offers a main floor kitchen with large pantry, living and dining room with laminate flooring and 1 bedroom in the basement. Separate laundry in the basement for both units, and additional storage space. Furnace updated in 2020, A/C in 2018, roof approx 10 years old. Some photos are from before Tenant's moved in.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 407 Welland Avenue — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$91,980 · Minimum $22,995
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
$3,131/mo
About $37,572 a year
- $2,034
- $259
- Home insurance$125
- Utilities$330
- Maintenance & repairs$383
Cash needed to close
- Down payment (20%)
- $91,980
- Ontario land transfer tax
- $5,673
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $100,153
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
407 Welland Avenue, St. Catharines, ON
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Last Updated: October 29, 2026
Listing Office: Century 21 Heritage House LTD
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