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For saleMLS® X13685044

164 Lake Street, St. Catharines, ON L2R 5Y7

Downtown · L2R 5Y7

$434,900

$395 / sq ft

2 months on market

Bedrooms
2
Bathrooms
2
Interior
1,100 sf
Parking
8
Lot
33 × 120 ft

What's special

  • Detached garage
  • Central air
  • Walk-out basement
  • 2 fireplaces
  • Carpet free
  • In-law suite
  • In-law capability
  • Separate hydro meter

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About this property

Character, Income & Convenience - A Duplex With Personality! Unique character duplex, very well taken care of, 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!

Features

  • Carpet Free
  • In-Law Suite
  • In-Law Capability
  • Separate Hydro Meter

Property details

Property

Property type
multiplex
Bedrooms
2
Bathrooms
2
Interior size
1,100 sq ft
Lot size
33 × 120 ft
Zoning
R3
Possession
flexible

Interior

Basement
Full, Unfinished, Walk-Out, Separate Entrance
Heating
Forced Air · Gas
Cooling
Central Air
Fireplaces
2
Exposure
East

Exterior & services

Construction
Vinyl Siding
Garage
Detached
Parking spaces
8
Sewer
Sewer

Costs

List price
$434,900
Property taxes
$3,003 / year (2026)
Price per sq ft
$395
Rental items
none

Listing

MLS® number
X13685044
Status
For sale
Listed
August 17, 2026
Days on market
79
Last updated
October 16, 2026
Listing brokerage
Century 21 Heritage House LTD

Price & sale history

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Before you make an offer

What this home costs beyond the asking price, and how that price compares to what else is on the market.

How this price compares

This home is priced in line with comparable listings — about 30% of comparable multiplex listings in Downtown are asking less.

$400KMedian $674K$1.05M
This home
$395 / sq ft
Comparable median
$404 / sq ft

Based on 10 comparable active multiplex listings in Downtown. These are asking prices, not sale prices.

Mortgage estimate

Down payment5.0% · minimum $21,745
$21,745
Interest rate5-year fixed, illustrative only
4.49%
Amortization
Principal & interest
$2,284.40
Property tax (est.)
$250.25
Estimated monthly
$2,535

Estimate only. Excludes CMHC insurance premiums, which apply below 20% down, and does not constitute a mortgage approval or an offer of credit.

Land transfer tax

Payable on closing, on top of the purchase price.

Ontario
$5,173
Total due on closing
$5,173

An estimate on the asking price of $434,900. Rates current as of September 2026; confirm the final figure with your real estate lawyer.

Listing courtesy of Century 21 Heritage House LTD. Listing data is provided in part by the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but is not guaranteed accurate. Information is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. Data is updated every 15 minutes.

$434,900

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