$539,900 - 20 Niagara Street, St. Catharines
Multi-Family for Sale in St. Catharines
66 days on market- MLS Number
- X12994532
- Property Type
- Multi-Family
- Status
- active
- Days on Site
- 66
- Bedrooms
- 4
- Bathrooms
- 4
- Square Feet
- 2,000 - 2,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX NIAGARA REALTY LTD, BROKERAGE
Welcome to 20 Niagara Street, a rare opportunity to secure a four-plex in one of St. Catharines' most rapidly evolving pockets. This property offers incredible upside for the savvy investor looking to capitalize on a city undergoing major revitalization and growth.Positioned in the downtown core, this property sits within a community that is seeing significant public and private investment, with ongoing development initiatives, infrastructure improvements, and a strong push for urban intensification. This is exactly the kind of location where buy-and-hold investors can benefit from long-term appreciation and future rent growth.The building itself consists of four units and is currently fully tenanted , presenting a clear value-add opportunity. Whether you're looking to expand your portfolio or enter the multi-residential market at an accessible price point, 20 Niagara Street offers strong future appreciation potential in a revitalizing downtown.Opportunity to increase rents and improve cash flow.A solid multi-unit asset with long-term upside. Proximity to transit, amenities, and the city's core developments.This is a strategic acquisition for investors who understand the power of location, timing, and vision. With St. Catharines on the rise, opportunities like this are becoming harder to find at this price point.Secure your foothold in a growing market-20 Niagara Street is full of potential waiting to be unlocked.
Estimate your monthly payments for this property
Estimated Payment
$2,769.97/mo
Includes CMHC insurance ($15,063)
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.
20 Niagara 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 $270/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 66 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.
Bathroom Count Matters
With 4 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 $2,250 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
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.