$1,100,000 - 147 Geneva Street, St. Catharines
Multi-Family for Sale in St. Catharines
109 days on market- MLS Number
- X12388290
- Property Type
- Multi-Family
- Status
- active
- Days on Site
- 109
- Bedrooms
- 5
- Bathrooms
- 3
- Square Feet
- 3,000 - 3,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX NIAGARA REALTY LTD, BROKERAGE
ONE OF A KIND! This incredible red brick 2-storey circa 1875 is loaded with original character & charm throughout. Situated on an oversized 70 x 180 lot, with just over a quarter of an acre, this property offers over 3000 sqft of finished living space across 3 units. The main floor unit previously housed a doctors office from 1923 1986 and has been operating as an owner occupied hair salon from 1986 to present with its own separate entrance, lobby area, multiple work stations, stackable laundry and a 3-piece bath with shower. The second level features the owner occupied unit with 3 bedrooms, spacious family room with big & bright windows, den, eat-in kitchen, 4-piece bath with tub & shower and separate entrance with rear patio overlooking the property. Main floor also offers an additional 1 bedroom unit with private rear entrance (and entrance into the salon) with living room, 4-piece bathroom and eat-in kitchen area. All appliances throughout included. Exterior offers parking for 10+ vehicles, storage sheds and beautiful gardens. Unbelievable potential for the new owners to make it their own.
Estimate your monthly payments for this property
Estimated Payment
$4,865.67/mo
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.
147 Geneva Street, St. Catharines
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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 $367/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 109 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.
Larger Home Realities
At 3,000 sqft, this is a substantial home. Budget approximately $400-600/month more for utilities compared to an average-sized home. Maintenance costs scale with size too - roof, HVAC, and cleaning all cost more. That said, space is a luxury that's hard to add later, and larger homes often have better resale in family-oriented neighbourhoods.
Excellent Flexibility
With 5 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in St. Catharines.
Bathroom Count Matters
With 3 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
Investment Perspective
Looking at this as an investment: St. Catharines properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $4,583 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.