42 North Street, St. Catharines, ON
L2R 2S5
Listed August 31, 2026
About this property
Looking for a place to call home and run a business as well ? Great downtown property with Zoning that allows for a small home based business. Main floor Great room is 23" x 17 ' and could be used as office space, yoga studio, reception, showroom , art studio, the possibilities are endless. Main floor has a kitchen as well as a 4 pc bath and bedroom/office. Upstairs are 3 bedrooms with a family room and 3 pc bath. there is a separate outside staircase entrance to this level. The house was once used as a duplex and there are 2 hydro meters. Ceramic and hardwood floors throughout ( vinyl in the bathrooms ). Close to 2 plazas and walking distance to 3 schools, medical and lots more. Immediate Possession.
Features
Property Details
Listing
Property
Parking & Land
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 42 North Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$90,000 · Minimum $22,500
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
$3,087/mo
About $37,044 a year
- $1,991
- $266
- Home insurance$125
- Utilities$330
- Maintenance & repairs$375
Cash needed to close
- Down payment (20%)
- $90,000
- Ontario land transfer tax
- $5,475
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $97,975
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
42 North Street, St. Catharines, ON
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Last Updated: August 31, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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