54 Chestnut Street, St. Catharines, ON
L2T 1H1
Listed September 5, 2026
About this property
Turnkey duplex with value-add potential! This well-maintained income property features two self-contained units, including a 3-bedroom main-floor suite and a 2-bedroom upper suite. Generating rental income from day one, the property also offers a full unfinished basement with a separate entrance and impressive 10-foot ceilings, creating exciting possibilities for future expansion. Set on a generous lot with rear lane access, this property offers a unique opportunity for investors seeking growth, additional income potential, or future redevelopment. Centrally located near shopping, schools, transit, and all downtown St. Catharines amenities. Whether you're looking to expand your portfolio or live in one unit while renting the other, this property checks all the boxes.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 54 Chestnut Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$133,000 · Minimum $41,500
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
$4,373/mo
About $52,476 a year
- $2,942
- $422
- Home insurance$125
- Utilities$330
- Maintenance & repairs$554
Cash needed to close
- Down payment (20%)
- $133,000
- Ontario land transfer tax
- $9,775
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $145,275
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
54 Chestnut Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 5, 2026
Listing Office: REVEL REALTY INC.
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