For SaleDuplex

164 Lake Street

$449,900
2 Bed2 Bath1100-1500 sq ft5d on market
MLS# X13685044Downtown, St. Catharines · L2R 5Y7
Bedrooms
2 Bed
Bathrooms
2 Bath
Size (MLS Range)
1100-1500 sq ft
Parking
8 Detached

About This Listing

Character, Income & Convenience - A Duplex With Personality! Unique character duplex with fantastic income potential and plenty of parking, outdoor space and updates! Whether you're looking for an investment property, a mortgage helper, or a comfortable home for the extended family, this one offers flexibility that is hard to find. The upstairs unit is truly one-of-a-kind, blending a cool retro vibe with an art-deco-inspired feel. The bright, modern open-concept layout features a charming pot-belly stove, stylish kitchen and an incredible jacuzzi tub bathroom. A staircase leading to the storage loft adds even more character and visual appeal. Both units have convenient side-door access to the shared laundry and basement. The main-floor unit is equally inviting, featuring a character-filled living room with fireplace, currently being used as a second bedroom, and stained glass windows. The primary bedroom has sliding glass doors onto a large rear deck, creating a wonderful indoor/outdoor living space. Outside, you'll find a fenced yard, front and rear decks, a double garage and three-point parking at the rear - plenty of room for vehicles, tenants and entertaining. Major improvements and features include waterproofed basement, mostly newer windows, renovated units and low-maintenance outdoor spaces. And the location is hard to beat - centrally located with easy access to the highway, shopping and everyday amenities. Live in one unit and rent out the other to help with the mortgage, add this to your investment portfolio, or keep it as a fantastic extended-family setup. The possibilities are yours! Unique character. Multiple income options. Plenty of parking, great location. Just collect the rent!

Monthly Mortgage (P&I)$1,960
Property Tax (MLS)$250
Maintenance Fees$0
Total Monthly Cost$2,210

Down payment: $89,980 (20.0%) · Mortgage: $359,920

Property tax uses MLS annual tax of $3,003/yr. Uses the standard Canadian semi-annual compounding convention. Estimates only—not a pre-approval or offer of credit. Actual rates and eligibility may vary. Provincial sales tax on mortgage insurance, when applicable, is not included. Consult a mortgage professional for accurate figures.

Property Details

MLS NumberX13685044
Property TypeDuplex
Style2-Storey
Listing TypeFor Sale
StatusActive
Bedrooms2 Bed
Bathrooms2
Size1100-1500 sq ft
Parking Spaces8
Parking TypeDetached
Property Tax$3,003/yr
Days on Market5
Listed2026-08-17
CommunityDowntown
MunicipalityNiagara
Cross StreetPleasant St

Listing provided by Century 21 Heritage House LTD

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Data last updated: August 23, 2026 at 06:27 a.m.