DAVIDS&DELAAT
44 Lowell Avenue
+32 more

44 Lowell Avenue, St. Catharines, ON

$424,900
For SaleNew

L2R 2E1

Listed October 19, 2026

4Bedrooms
2Bathrooms
1,500Sq. Ft.

About this property

CHARM, SPACE & VERSATILITY IN THIS ST. CATHARINES DUPLEX! Whether you're looking for a smart investment, an owner-occupied opportunity or the perfect multigenerational living arrangement, this charming 2-unit duplex offers plenty of possibilities!The extra-spacious main floor unit is filled with character, featuring beautiful hardwood flooring throughout, 2 generous bedrooms, a 4-piece bathroom, a functional kitchen and a bright, open-concept living and dining area with plenty of room to entertain. Enjoy direct access to the quaint, fully fenced backyard, along with convenient basement access for laundry and storage.The second-floor unit offers a bright and inviting 2-bedroom layout with a practical kitchen and comfortable living space. With estimated monthly rental potential of approximately $1,950 for the main floor and $1,700 for the upper unit, this property offers excellent income potential. Listing agents are happy to assist in securing tenants prior to closing!Outside, enjoy a charming, fully fenced backyard, perfect for relaxing, gardening or entertaining. The seller is also willing to add a single front-yard parking space if desired. Location is another standout feature! Conveniently situated close to schools, parks, public transit, shopping and everyday amenities, with quick access to both the QEW and Highway 406. Just minutes from the vibrant downtown St. Catharines hub, with its fantastic restaurants, shops and entertainment!Notable updates include a new sewer line (2025), roof improvements including a newer portion of the rear roof replaced in 2026 and the remaining 8-10 years old, an owned hot water tank (approx. 5 years), removal of all knob-and-tube wiring, two 100-amp breaker panels and a high-efficiency furnace (approx. 5 years).Live in 1, rent the other, or add a versatile income property to your portfolio! The two estimated rents total $3,650/month or $43,800/year in potential gross rental income, which is a nice selling feature for investors.

Features

Basement

Property Details

Listing

MLS® NumberX14094072
StatusFor Sale
ListedOctober 19, 2026
Listing TypeFor Sale
Listing OfficeRE/MAX NIAGARA REALTY LTD, BROKERAGE

Property

Property TypeMulti-Family
Interior Size1,500 ft²
Bedrooms4
Bathrooms2

Location

Community451 - Downtown
CitySt. Catharines
ProvinceON
Postal CodeL2R 2E1

Taxes & Financials

Asking Price$424,900
Property Taxes (2025)$3,020/yr

Cost of Ownership Calculator

What it could cost each month to own 44 Lowell Avenue — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.

Your mortgage

$84,980 · Minimum $21,245

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

$2,940/mo

About $35,280 a year

  • $1,879
  • $252
  • Home insurance$125
  • Utilities$330
  • Maintenance & repairs$354

Cash needed to close

Down payment (20%)
$84,980
Ontario land transfer tax
$4,973
Legal fees, title insurance & inspectionEstimate
$2,500
Total
$92,453

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

44 Lowell Avenue, St. Catharines, ON

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Last Updated: October 19, 2026

Listing Office: RE/MAX NIAGARA REALTY LTD, BROKERAGE

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