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451 - Downtown, St. Catharines
$524,800
Rare Fully Renovated Circa-1900 Dual-Frontage Home, Steps from Montebello Park. Live the downtown life in the heart of one of Canada's most acclaimed food scenes. Minutes from some of the best restaurants in the country, Market Square and the Performing Arts Centre.This turn-of-the-century home was professionally renovated featuring a stunning updated kitchen, hardwood flooring throughout and soaring 9-foot ceilings on the main floor. Two bedrooms and two bath rooms give the house comfort and flexibility. For the wellness enthusiasts, an electric outdoor sauna was added in 2025. What truly sets it apart: two separate frontages and driveways on Duke and Lake, with 4-car parking behind a fully secured, remote-operated rear roll-up door - real privacy in an urban setting. Most windows replaced in 2013, furnace in 2020, and separate hydro meters for added flexibility. A truly special opportunity!
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Listing History
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,686
- Property tax
- $329
- Heat allowance
- $150
- Housing costs
- $3,165 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$97,000
gross annual household income
- Payment at 4%
- $2,208 / mo
- Cash down
- $104,960
Assumes no other monthly debts · 25-yr amortization
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