For SaleSemi-Detached · 2-StoreyMLS® #X13625140 · TRREB MLS®
41 Ottawa St, St. Catharines, Ontario
Downtown, St. Catharines, Ontario L2R 1Z2
- Bedrooms
- 3
- Lot Size
- 28.8 x 140.25 ft
- Bathrooms
- 2
- Type
- Semi-Detached
- Basement
- Separate Entrance
$485,900
Estimated market value
About 41 Ottawa St
41 Ottawa St is a 3-bedroom, 2-bathroom semi-detached house in Downtown, St. Catharines, listed for sale at an asking price of $485,900 (MLS® X13625140).
Welcome to 41 Ottawa Street! This charming semi-detached family home offers character, space, parking, a garage, and a fantastic 140-foot-deep lot. The bright sunroom welcomes you into the spacious main floor featuring an open-concept living room, dining room, and kitchen with high ceilings and plenty of natural light. A convenient 2-piece bath is located at the rear entrance. Step outside to the fully fenced backyard with a two-tiered deck and pond, offering a great space to relax and entertain. Upstairs features 3 bedrooms and a 4-piece bath, including a spacious primary bedroom with a full wall of organized closets. The dry and finished lower level offers additional living space, a full laundry room, with walk-out access through the separate entrance. Driveway parking for 4 cars and a full-size garage complete the package. Great location and plenty of space for the whole family! (Updates include furnace and a/c 2018, kitchen floors, counters, sink and faucet 2024, powder room 2024, vanity and toilet in upper bathroom 2023, back door and washer 2024, dishwasher and dryer 2025, garage roof 2020).
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even−$361/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 5 homes with 3 bedrooms for lease in Downtown right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $2,929 / 2026
- MLS® number
- X13625140
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 28.8 x 140.25 ft
- Listed on
- Parking
- 1 Detached, 5 Parking
Listing history
Buy/sell history for 41 Ottawa 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 | $485,900 | N/A | Pc | X13625140 |
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
- Semi-Detached
- Style
- 2-Storey
- Community
- Downtown
- Municipality
- St. Catharines
Building
- Size
- 700-1100 sqft
- Construction
- Stucco/Plaster
Inside
- Bedrooms
- 3
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc, 1 × 2pc
- Basement Type
- Separate Entrance
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- Detached
- Garage
- 1
- Additional Parking
- 4
- Total Parking
- 5
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 28.8 ft
- Depth
- 140.25 ft
- Lot Size
- 28.8 x 140.25 ft
Additional
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Fridge, Stove, Washer, Dryer, Dishwasher, All Electrical Light Fixtures, All Window Coverings, Gazebo, Pond Equipment
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Foyer | 0.99 × 5.44 m | — | Main |
| Living | 3.66 × 3.2 m | — | Main |
| Dining | 2.87 × 3.2 m | — | Main |
| Kitchen | 3.02 × 4.34 m | — | Main |
| Primary | 3.66 × 3.2 m | — | 2nd |
| 2nd Br | 3.02 × 2.44 m | — | 2nd |
| 3rd Br | 3.02 × 2.44 m | — | 2nd |
| Rec | 3.79 × 6.93 m | — | Lower |
| Laundry | 3.61 × 2.69 m | — | Lower |
Map and tour
Land transfer tax on this home
- Ontario land transfer tax
- $6,193
- Total land transfer tax
- $6,193
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $2,193
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 $485,900
- $1,718
- Ontario total
- $6,193
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
- No water-supply well recorded within 250 m8 test or monitoring holes also recorded.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: 4.9 km4.9 km
Province of Ontario open data
Around the home2
- Nearest rail line: 660 m660 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., 630 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 (10 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 | 750 m | 51%Grade 6 average |
| St Nicholas Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 800 m | 61%Grade 6 average |
| Connaught Public SchoolDSB Niagara | Public · grades JK–8 | 850 m | 94%Grade 6 average |
| Harriet Tubman Public SchoolDSB Niagara | Public · grades JK–8 | 1 km | 78%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 800 m | 74%Grade 9 math |
| Laura Secord Secondary SchoolDSB Niagara | Public · grades 9–12 | 1.8 km | 63%Grade 9 math |
| Eden High SchoolDSB Niagara | Public · grades 9–12 | 2.7 km | 73%Grade 9 math |
| Saint Francis Catholic Secondary SchoolNiagara CDSB | Catholic · grades 9–12 | 3 km | 71%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 | 2.9 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
- 4,039 sq ft375 m²
- Street frontage
- 28.8 ft8.8 m
- Depth
- 140.25 ft42.7 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, measured by MPAC.
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
- $97,180
- Total mortgage amount
- $388,720
- Total interest payment
- $276,380
- Total purchase cost
- $762,280
- Mortgage payment
- $2,217/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
33%Monthly carrying cost
$2,461- Rent $2,100
- Shortfall $361
Rental income opens at $2,100, the median asking rent of 5 comparable homes for lease in Downtown. Type over it with the rent you expect. This is a planning tool, not advice.
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