5 Thomas Street, St. Catharines, ON
L2R 6L7
Listed November 9, 2026
About this property
STOREY DUPLEX ZONED R3, PRIVATE PAVED DRIVE, GARAGE, DEEP LOT, MAIN FLOOR 2 BDRM APARTMENT OCCUPIED BY TENANT AND 2 BEDROOM APARTMENT ON SECOND FLOOR, PARTIAL FINISHED BASEMENT, 100 AMP HYDRO SERVICES. TO BE SOLD -AS IS- CONDITION. (Both units occupied by tenant, 48 hours notice required for showing.) SELLER WILL PROVIDE VTB WITH 20% DOWN PAYMENT.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 5 Thomas Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$109,800 · Minimum $29,900
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
$3,630/mo
About $43,560 a year
- $2,428
- $289
- Home insurance$125
- Utilities$330
- Maintenance & repairs$458
Cash needed to close
- Down payment (20%)
- $109,800
- Ontario land transfer tax
- $7,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $119,755
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
5 Thomas Street, St. Catharines, ON
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Last Updated: November 9, 2026
Listing Office: HOMELIFE SUPERSTARS REAL ESTATE LIMITED
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