For SaleDuplex · 1 1/2 StoreyMLS® #X14094072 · TRREB MLS®
44 Lowell Ave, St. Catharines, Ontario
Downtown, St. Catharines, Ontario L2R 2E1
- Bedrooms
- 4
- Lot Size
- 27 x 97.5 ft
- Bathrooms
- 2
- Type
- Duplex
- Basement
- Full
$424,900
Estimated market value
About 44 Lowell Ave
44 Lowell Ave is a 4-bedroom, 2-bathroom duplex in Downtown, St. Catharines, listed for sale at an asking price of $424,900 (MLS® X14094072).
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.
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Strong+$809/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 12 homes with 4 bedrooms for lease in St. Catharines right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $3,020 / 2025
- MLS® number
- X14094072
- Board
- TRREB MLS®
- Property Type
- Duplex
- Building Age
- 100+
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 27 x 97.5 ft
- Listed on
- Parking
- None, 0 Parking
Listing history
Buy/sell history for 44 Lowell Ave, 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 | $424,900 | N/A | For Sale | X14094072 |
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
- Duplex
- Style
- 1 1/2 Storey
- Community
- Downtown
- Municipality
- St. Catharines
Building
- Size
- 1500-2000 sqft
- Building Age
- 100+
- Construction
- Vinyl Siding
Inside
- Bedrooms
- 4
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc 2nd, 1 × 4pc Main
- Basement Type
- Full
- Kitchens
- 2
Parking
- Driveway
- None, Street Only
- Garage Type
- None
- Additional Parking
- 0
- Total Parking
- 0
Utilities
- Water
- Municipal
- Cooling
- None
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 27 ft
- Depth
- 97.5 ft
- Lot Size
- 27 x 97.5 ft
Additional
- Foundation
- Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Foyer | 2.94 × 4.12 m | — | Main |
| Living | 3.52 × 4.8 m | — | Main |
| Dining | 3.05 × 2.8 m | — | Main |
| Kitchen | 3.06 × 3.1 m | — | Main |
| Bathroom | 3.41 × 2.02 m | — | Main |
| Primary | 4.67 × 2.75 m | — | Main |
| 2nd Br | 3.41 × 2.52 m | — | Main |
| Kitchen | 3.76 × 1.73 m | — | Upper |
| Living | 3.04 × 3.77 m | — | Upper |
| Bathroom | 2.41 × 1.92 m | — | Upper |
| 3rd Br | 3.04 × 2.97 m | — | Upper |
| 4th Br | 2.4 × 3.98 m | — | Upper |
| Utility | 3.06 × 8.01 m | — | Bsmt |
| Workshop | 3.41 × 8.01 m | — | Bsmt |
Map and tour
Multiplexes for sale in Downtown right now
- For sale now
- 6
- Median asking price
- $430K
- New in 7 days
- 1
- Price cuts
- 50%
Middle half: $406K to $520K
2 in 28 days
3 listings
This home is asking 1% below 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
- $4,973
- Total land transfer tax
- $4,973
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $973
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 $424,900
- $498
- Ontario total
- $4,973
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 conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m250 m
- Groundwater recorded about 2.1 m below ground nearbyThe middle water level in the well records within 500 m (62 records). It changes with the season and from spot to spot.500 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: 6.5 km6.5 km
Province of Ontario open data
Around the home1
- 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
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Kemira Chemicals Canada Inc. — KEMIRA CHEMCIALS CANADA INC. - ST CATS., 2.3 km away. Only facilities above the inventory’s reporting thresholds are listed.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 a household 60 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (60 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.60 m
- 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 |
|---|---|---|---|
| Harriet Tubman Public SchoolDSB Niagara | Public · grades JK–8 | 750 m | 78%Grade 6 average |
| St Denis Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 1 km | 81%Grade 6 average |
| St Nicholas Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 1.1 km | 61%Grade 6 average |
| ÉÉC Immaculée-ConceptionConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–8 | 1.2 km | 51%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 900 m | 74%Grade 9 math |
| DSBN AcademyDSB Niagara | Public · grades 9–12 | 2.9 km | 71%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 | 3.2 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 | 1.9 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
- 2,633 sq ft245 m²
- Street frontage
- 27 ft8.2 m
- Depth
- 97.5 ft29.7 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
- $84,980
- Total mortgage amount
- $339,920
- Total interest payment
- $241,780
- Total purchase cost
- $666,680
- Mortgage payment
- $1,939/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$2,191- Carrying cost $2,191
- Surplus $809
Rental income opens at $3,000, the median asking rent of 12 comparable homes for lease in St. Catharines. Type over it with the rent you expect. This is a planning tool, not advice.
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