614b Niagara Street, St. Catharines, ON
L2M 3P7
Listed October 19, 2026
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About this property
Welcome to 614B Niagara Street! This unique semi-detached home offers a versatile multi-level layout featuring 3 bedrooms and 3 full bathrooms. The main floor includes 2 bedrooms and a full bathroom, while the upper level features a private primary bedroom with its own ensuite. The fully finished basement offers a spacious living area, kitchen, full bathroom and convenient walk-up access to the backyard, offering excellent potential for an in-law suite (subject to necessary approvals) or extended family living. A fantastic opportunity for buyers looking for flexible living space! The basement remained dry and was not affected by the recent heavy rainstorms. The garage is currently set up as a gym and storage area, and the seller is willing to remove the gym equipment and restore it to a traditional garage at the buyer's request.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 614b Niagara Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$139,980 · Minimum $44,990
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
$4,548/mo
About $54,576 a year
- $3,096
- $414
- Home insurance$125
- Utilities$330
- Maintenance & repairs$583
Cash needed to close
- Down payment (20%)
- $139,980
- Ontario land transfer tax
- $10,473
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $152,953
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
614b Niagara Street, St. Catharines, ON
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Last Updated: October 19, 2026
Listing Office: RE/MAX GARDEN CITY REALTY INC, BROKERAGE
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