44 Lowell Avenue, St. Catharines

$424,900
44 Lowell Avenue

$424,900

New
4d
Duplex1 1/2 Storey

44 Lowell Avenue, St. Catharines

Total Monthly Obligation $2,341

Beds
4
Baths
2
Park
0
Sqft
1500-2000
DOM
4d
Yield
4.4%
Cash on Cash
-6.2%
Cap Rate
3.3%
5Y IRR
10.7%
10Y IRR
10.8%
Property Type-Duplex
MLS® Number-X14094072
Beds-4
Bathrooms-2
Size-1500-2000 sqft
Lot Size-27 × 97.5 ft
Listed on site-Oct 19, 2026
Style-1 1/2 Storey
Building Type-Duplex
Age-100+
Taxes-$3,020 (2025)
Parking-None
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-IMMEDIATE
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

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.

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Closing Costs

Mortgage Amount
$339,920
Land Transfer Taxes$4,973
Legal Fees (Est.)
$
Total cash required for closing$91,453

Total Monthly Obligation

$2,341/mo
Mortgage $1,714
Monthly Loss $1,890
Principal$451
Interest$1,263
Property Tax$252
Home Insurance$125
Variable Costs$250

No rent estimate available. Enter a monthly rent in Assumptions & Inputs below to calculate.

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*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 44 Lowell Avenue

Time

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