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451 - Downtown, St. Catharines
$429,900
Welcome to 218 Lake Street, a charming 2-bedroom, 2-bathroom detached home in St. Catharines' desirable Haig neighbourhood. The updated main floor features a bright open-concept living and dining area, a modern kitchen with quartz countertops and stainless steel appliances, two comfortable bedrooms, and an updated bathroom. The kitchen offers direct access to the backyard, making summer BBQs and outdoor entertaining easy. Enjoy the private, fully fenced backyard with mature landscaping, established gardens, and a spacious deck-perfect for relaxing, gardening, or hosting friends. A standout feature is the detached garage, transformed into a finished entertaining and flex space complete with a bar, refrigerator, and air conditioning. Use it as a hangout, game room, hobby space, or home office. Additional attic storage is accessible by a pull-down ladder. The lower level offers laundry, storage, a recreation/den area, and a large 3-piece bathroom with a clawfoot tub. With approximately 5'10" ceiling height, the basement is best suited for recreation, hobbies, and storage rather than conventional additional living space or a secondary suite. Conveniently located near downtown St. Catharines, restaurants, cafés, groceries, parks, schools, and everyday amenities. Buyers should expect some street activity, while the fenced backyard offers a more private outdoor retreat. A pre-listing home inspection is available to interested buyers. If you're looking for an updated main floor, a beautiful backyard, unique entertaining space, and an urban location without needing a finished basement or secondary suite, 218 Lake Street is worth a look!
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 51-99 |
| Size | 700-1100 sq. ft. |
| Property Tax | $2,879 |
| Lot Size | 35 ft x 100 ft |
| mls© Number | X14085460 |
| Listed By | REAL BROKER ONTARIO LTD. |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,200
- Property tax
- $240
- Heat allowance
- $150
- Housing costs
- $2,590 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$80,000
gross annual household income
- Payment at 4%
- $1,809 / mo
- Cash down
- $85,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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