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$775K · 8 bed Multiplex · 450 - E. Chester, St. Catharines | MyPropertyScout

$774,900

249-253 Church Street

131 DOM

85131d

Map

DOM 131

↓ $25KMotivated Seller

$774,900

↓ $25KMotivated Seller

DOM131days

249-253 Church Street

St. Catharines · Ontario L2R 3E8

MLS® X12816714 · 450 - E. Chester · L2R 3E8

85TenantOccupied3500-5000 ft²MultiplexNoneFull, Unfinished131d$182/ft²Lot 54.1 x 64 ft< .50 ac$10,037 tax/yrBuilt 1916110 yrs oldFull, Unfinished

131 days on market

About this home

This mixed-use property presents a compelling value-add investment opportunity in the heart of central St. Catharines, featuring four 2-bedroom residential units and one ground-floor commercial space. With strong in-place residential income and a currently vacant commercial unit, investors have immediate upside potential through lease-up, repositioning, or rental optimization. Positioned in a rapidly evolving downtown corridor, this asset offers both stable cash flow and long-term appreciation i…

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Property details

MLS#: X12816714
Status: Buy Now
Property class: Residential Freehold
Beds: 8
Baths: 5 full, 0 half
Rooms: 8 + 8
Kitchens: 4
Size: 3500-5000Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Unfinished
Style: 2-Storey
Type: Multiplex
Year built: 1916

PIN: 462630226
Roll / ARN: 262903000709500

Occupancy: Tenant Occupied
Washrooms: 3 pc · Second; 3 pc · Second; 3 pc · Ground; 3 pc · Ground; 3 pc · Ground
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: M1, M3

Roof: Asphalt Rolled
Foundation: Concrete Block

Garage: None
Garage spaces: 0
Parking: 0 total
Lot: 54.1 × 64
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Aluminum Siding
Fronting on: North
Cross street: GENEVA/CHURCH
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: None

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $25KPrice reduction

MLS shows the seller reduced the asking price by $25,000 (from $799,900 to $774,900).

Motivated SellerWhy this label

131 days on market — Listing has been active for 131 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: eXp Realty of Canada Inc, Brokerage

Source: TRREB/PROPTX · MLS® X12816714

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$775K

249-253 Church Street · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $774,900✓ $10,037 tax✓ Gas✓ 3500-5000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,531/mo

incl. closing costs (yr 1)

Annual total

$78,366

year 1

Mortgage only

$2,940/mo

principal + interest

Beyond mortgage

$2,135/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$154,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$836/mo

Utilities

Hydro / electricity$298/mo

≈ $0.07/ft² × ~4,250 ft² · ON avg ~$298/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$7,749/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $35,277/yr

Property taxes28% $22,010/yr

Utilities8% $6,630/yr

Insurance & security2% $1,600/yr

Maintenance10% $7,749/yr

Closing costs7% $5,100/yr

Mortgage is 45% of your true cost of ownership. The other 55% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$35,277	$2,940/mo
Government & taxes
Property tax	$10,037	$836/mo
Land transfer tax(closing)	$11,973	$998/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$3,570	$298/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,749	$646/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$78,366	$6,531/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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249-253 Church Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs