106 Townline Road, St. Catharines

Price: $499,888

4 bedrooms, 2 bathrooms

2,000 - 2,499 sqft

Property Type: Multi-Family

MLS#: X13081616

EXCEPTIONAL OPPORTUNITY! Don't miss your chance to own a income-ready property with outstanding potential. This versatile home features a 4-bedroom, 2-bathroom, ideal for owner occupancy or immediate rental income creating excellent flexibility for multi- unit living or investment purposes. Updates Roof 2022, Commercial furnace, AC 2023 add value and peace of mind. Ideally located just minutes from Brock University, Niagara College, schools, shopping, public transit, restaurants, pubs, the Performing Arts Centre, the Meridian Centre, and all the amenities of downtown, this property offers the perfect blend of small-town charm and urban convenience. Whether you're an investor looking to build cash flow or a buyer seeking flexibility in a prime location.

106 Townline Road - Multi-Family photo 1 of 2 in St. Catharines, Ontario
106 Townline Road - Multi-Family photo 2 of 2 in St. Catharines, Ontario
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$499,888 - 106 Townline Road, St. Catharines

Multi-Family for Sale in St. Catharines

46 days on market
4Beds
2Baths
2,000 - 2,499Sq Ft
Multi-Family
Property Details
MLS Number
X13081616
Property Type
Multi-Family
Status
active
Days on Site
46
Bedrooms
4
Bathrooms
2
Square Feet
2,000 - 2,499 sqft
Neighbourhood
St. Catharines
Listing Brokerage
HOMELIFE SILVERCITY REALTY INC.
Description

EXCEPTIONAL OPPORTUNITY! Don't miss your chance to own a income-ready property with outstanding potential. This versatile home features a 4-bedroom, 2-bathroom, ideal for owner occupancy or immediate rental income creating excellent flexibility for multi- unit living or investment purposes. Updates Roof 2022, Commercial furnace, AC 2023 add value and peace of mind. Ideally located just minutes from Brock University, Niagara College, schools, shopping, public transit, restaurants, pubs, the Performing Arts Centre, the Meridian Centre, and all the amenities of downtown, this property offers the perfect blend of small-town charm and urban convenience. Whether you're an investor looking to build cash flow or a buyer seeking flexibility in a prime location.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,564.68/mo

Includes CMHC insurance ($13,947)

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5-yr fixed avg.

Principal: $449,899Interest: $305,559
Mortgage Amount$463,846
Total Interest$305,559
Est. Property Tax$354/mo
Total Cost$769,405

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.

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Neighbourhood Guide: St. Catharines

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

Local Elementary SchoolPublic Elementary
Local Secondary SchoolPublic High School

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.

70
Walk Score
Varies
Price Range

106 Townline Road, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$3,300/mo
Range: $2,805 - $3,795
Cap Rate (ROI)
6.8%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$3,300
Maintenance Fees-$0
Property Tax (est.)-$354
Insurance (est.)-$104
Net Cash Flow+$2,842

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 Battaglia - Top Real Estate Agent in Mississauga, REMAX Realty Specialists

Joe's Thoughts

Honest perspective from 30+ years of GTA real estate experience

Competitive Pricing

At $250/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 46 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.

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    106 Townline Road, St. Catharines | $499,888 | Battaglia Team