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44 LOWELL AVENUE, St. Catharines (Downtown) — listed at $424,900. Earn buyer cashback at closing. No catches, just more money in your pocket.
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. (id:60164)
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | 4.12 x 2.94 meters |
| Bedroom 3 | Upper Level | 2.97 x 3.04 meters |
| Bedroom 4 | Upper Level | 3.98 x 2.4 meters |
| Utility room | Basement | 8.01 x 3.06 meters |
| Workshop | Basement | 8.01 x 3.41 meters |
| Living room | Main level | 4.8 x 3.52 meters |
| Dining room | Main level | 2.8 x 3.05 meters |
| Kitchen | Main level | 3.1 x 3.06 meters |
| Bathroom | Main level | 2.02 x 3.41 meters |
| Primary Bedroom | Main level | 2.75 x 4.67 meters |
| Bedroom 2 | Main level | 2.52 x 3.41 meters |
| Kitchen | Upper Level | 1.73 x 3.76 meters |
| Living room | Upper Level | 3.77 x 3.04 meters |
| Bathroom | Upper Level | 1.92 x 2.41 meters |
Is there air conditioning?+
No central cooling is listed. Budget for portable or window units, or get a quote for adding central air — typically $5,000–$10,000 installed.
Is this a good starter home?+
At $424,900, this is priced in starter-home territory for St. Catharines (Downtown). With multiple bedrooms, it has room to grow into. Factor in property taxes when calculating your true monthly cost.
What's the parking situation?+
This property includes 0 spaces — No Garage, Street.
How is the home heated? Is it efficient?+
Heating is forced air, natural gas. Gas heating is generally the most cost-efficient option in Ontario winters.
What are the ongoing costs beyond the mortgage?+
Budget for annual property taxes of $3,020, heating is forced air, natural gas. Always verify the latest figures with your agent before making an offer — these change yearly.
Does it have a basement, and is it finished?+
Yes — Unfinished, Full. A finished basement adds meaningful living space beyond the listed square footage.
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