For SaleTriplex · 2-StoreyMLS® #X14093798 · TRREB MLS®
128 Geneva St, St. Catharines, Ontario
Downtown, St. Catharines, Ontario L2R 4N6
- Bedrooms
- 6
- Lot Size
- 36 x 120 ft
- Bathrooms
- 3
- Type
- Triplex
- Basement
- Finished
$759,888
Estimated market value
About 128 Geneva St
128 Geneva St is a 6-bedroom, 3-bathroom triplex in Downtown, St. Catharines, listed for sale at an asking price of $759,888 (MLS® X14093798).
ATTENTION INVESTORS & HOUSE HACKERS! Welcome to 128 Geneva St, a turnkey triplex boasting over 2000 sq ft of cash-flowing living space in the heart of St. Catharines. Featuring THREE distinct, self-contained 2-bedroom, 1-bathroom suites, this income producing property is the ultimate addition to any investment portfolio or the perfect house-hacking opportunity-live comfortably in one unit while the other two pay off your mortgage or rent all 3 for maximum ROI! UNBEATABLE COMMUTER & AMENITY LOCATION: *2 Mins to Hwy 406 & QEW ramps for seamless highway travel *8 Mins to St. Catharines GO Station for effortless regional transit *9 Mins to Niagara Health Hospital (ideal for healthcare professionals) *10 Mins to Brock University & 15 Mins to Niagara College (huge student/staff demand) *15 Mins to the Niagara Strip and the Falls. Steps from downtown dining, grocery stores, parks, and local transit routes. Turnkey, low maintenance, and primed for strong cash flow and long-term equity growth. Don't miss out-book your private tour today!
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $3,648 / 2026
- MLS® number
- X14093798
- Board
- TRREB MLS®
- Property Type
- Triplex
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 36 x 120 ft
- Listed on
- Parking
- None, 4 Parking
Listing history
Buy/sell history for 128 Geneva St, St. Catharines, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $759,888 | N/A | For Sale | X14093798 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Triplex
- Style
- 2-Storey
- Community
- Downtown
- Municipality
- St. Catharines
Building
- Size
- 1500-2000 sqft
- Construction
- Alum Siding
Inside
- Bedrooms
- 6
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc 2nd, 1 × 4pc Bsmt
- Basement Type
- Finished
- Kitchens
- 3
Parking
- Driveway
- Front Yard, Private
- Garage Type
- None
- Additional Parking
- 4
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Window Unit
- Heating Type
- Baseboard
Land
- Sewer
- Sewers
- Frontage
- 36 ft
- Depth
- 120 ft
- Lot Size
- 36 x 120 ft
Additional
- Foundation
- Other
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- All existing appliances in each unit, including fridges, stoves, washers, dryers.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Br | 4.05 × 3.7 m | — | Main |
| Br | 3.5 × 3.35 m | — | Main |
| Bathroom | 1.52 × 1.9 m | — | Main |
| Living | 3.69 × 3.96 m | — | Main |
| Kitchen | 4.02 × 3.57 m | — | Main |
| Br | 2.83 × 3.51 m | — | 2nd |
| Br | 4.05 × 2.41 m | — | 2nd |
| Bathroom | 1.62 × 2.77 m | — | 2nd |
| Dining | 2.87 × 4.02 m | — | 2nd |
| Kitchen | 2.87 × 4.02 m | — | 2nd |
| Br | 3.08 × 4.72 m | — | Bsmt |
| Br | 3.6 × 2.47 m | — | Bsmt |
| Bathroom | 2.35 × 2.65 m | — | Bsmt |
| Living | 3.6 × 4.3 m | — | Bsmt |
| Kitchen | 4.75 × 3.6 m | — | Bsmt |
Map and tour
Multiplexes for sale in Downtown right now
- For sale now
- 5
- Median asking price
- $760K
- New in 7 days
- 0
- Price cuts
- 20%
Middle half: $649K to $999K
1 in 28 days
1 listing
This home is asking at the median.
See all homes in DowntownAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $11,673
- Total land transfer tax
- $11,673
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $7,673
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $759,888
- $7,198
- Ontario total
- $11,673
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- 1 water-supply well recorded within 250 mIt was drilled for domestic use; 9 test or monitoring holes also recorded. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 6.1 m.250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 5.2 km5.2 km
Province of Ontario open data
Around the home2
- Nearest rail line: 990 m990 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Kemira Chemicals Canada Inc. — KEMIRA CHEMCIALS CANADA INC. - ST CATS., 990 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Alectra Utilities CorporationAt the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (20 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Cogeco Connexion, Niagara Regional Broadband Network. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Last Mile Wireless Internet, NWIC, Rogers, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Niagara Peninsula Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| ÉÉC Immaculée-ConceptionConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–8 | 350 m | 51%Grade 6 average |
| St Nicholas Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 400 m | 61%Grade 6 average |
| Harriet Tubman Public SchoolDSB Niagara | Public · grades JK–8 | 700 m | 78%Grade 6 average |
| Connaught Public SchoolDSB Niagara | Public · grades JK–8 | 1 km | 94%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 400 m | 74%Grade 9 math |
| Laura Secord Secondary SchoolDSB Niagara | Public · grades 9–12 | 2.2 km | 63%Grade 9 math |
| Eden High SchoolDSB Niagara | Public · grades 9–12 | 2.9 km | 73%Grade 9 math |
| Denis Morris Catholic High SchoolNiagara CDSB | Catholic · grades 9–12 | 3.1 km | 50%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St. Catharines GO | GO Transit train: Lakeshore West | 2.5 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Lot
- Lot area
- 4,320 sq ft401 m²
- Street frontage
- 36 ft11 m
- Depth
- 120 ft36.6 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $151,978
- Total mortgage amount
- $607,910
- Total interest payment
- $432,190
- Total purchase cost
- $1,192,078
- Mortgage payment
- $3,467/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$3,771- Rent $0
- Shortfall $3,771
Rental income starts at $0: enter the rent you expect. This is a planning tool, not advice.
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