$470,000 - 106 Haig Street, St. Catharines
Multi-Family for Sale in St. Catharines
70 days on market- MLS Number
- X12972844
- Property Type
- Multi-Family
- Status
- active
- Days on Site
- 70
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- EXP REALTY
An exceptional opportunity to own a turn-key, income-producing detached brick duplex that blends financial security with everyday lifestyle appeal. This charming 1.5 storey property delivers strong, consistent cash flow with two self-contained units, each offering private, secure entrances, separate kitchens, and individual hydro meters, generating over $3,000 in monthly rental income plus hydro. The property is fully vacant as of May 1, 2026, providing flexibility for investors to set new market rents or for an owner-occupier to move in and customize their living arrangement. Set on a generous lot with a lush, private backyard, the home offers a rare sense of space. Whether you are a buy-and-hold investor seeking dependable returns or an owner-occupier looking to live comfortably in one unit while the other helps pay the mortgage, this property offers flexibility, peace of mind, and long-term value. Ideally located in a mature, centrally connected neighbourhood, just minutes from QEW access, shopping, schools, and public transit, this is a home where smart investing meets lifestyle, stability, and convenience.
Estimate your monthly payments for this property
Estimated Payment
$2,411.34/mo
Includes CMHC insurance ($13,113)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover St. Catharines
St. Catharines is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in St. Catharines
- •Convenient location in St. Catharines
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
St. Catharines offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
106 Haig Street, St. Catharines
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Rental income estimator & ROI calculator
Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $427/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Negotiation Opportunity
At 70 days on site, this property has exceeded the typical selling timeline for St. Catharines. This creates leverage for buyers. The seller may be motivated by carrying costs, life circumstances, or previous deals falling through. I'd recommend a strategic offer below asking with terms that favour you.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to St. Catharines. Good resale value as demand remains consistent.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.