




44 Lowell Avenue, St. Catharines, ON
L2R 2E1
Listed October 19, 2026
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 & a high-efficiency furnace (approx. 5 years). Live in 1, rent the other, or add a versatile income property to your portfolio! The 2 estimated rents total $3,650/month or $43,800/year in potential gross rental income, which is a nice selling feature for investors.
Property Details
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Taxes & Financials
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 $84,980
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From the listing (2025 tax bill).
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One-time costs
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Estimated monthly cost of ownership
$2,131/mo
About $25,572 a year
- $1,879
- $252
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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