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$470K · 4 bed Duplex · 452 - Haig, St. Catharines | MyPropertyScout

$470,000

106 Haig Street

88 DOM

4288d

Map

⚡ Insider Deal

DOM 88

↓ $30KPrice Reduced

$470,000

↓ $30K

DOM88days

106 Haig Street

St. Catharines · Ontario L2R 6L2

MLS® X12972844 · 452 - Haig · L2R 6L2

42Vacant1100-1500 ft²Duplex1-car DetachedFull, Unfinished88d$362/ft²Lot 42 x 110 ft$3,319 tax/yrFull, Unfinished

88 days on market

About this home

An exceptional opportunity to own a turn-key, income-producing detached brick duplex that blends financial security with everyday lifestyle appeal. This charming 1.5 storey property delivers strong, consistent cash flow with two self-contained units, each offering private, secure entrances, separate kitchens, and individual hydro meters, generating over $3,000 in monthly rental income plus hydro. The property is fully vacant as of May 1, 2026, providing flexibility for investors to set new marke…

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MyStreetValue™ Analysis

$401,844 – $561,333estimated range

Midpoint: $442,697

Property details

MLS#: X12972844
Status: Buy Now
Property class: Residential Freehold
Beds: 4
Baths: 2 full, 0 half
Rooms: 10 + 1
Kitchens: 2
Size: 1100-1500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Unfinished
Style: 1 1/2 Storey
Type: Duplex
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

PIN: 462080127
Roll / ARN: 262904003500700

Occupancy: Vacant
Washrooms: 4 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Poured Concrete

Garage: 1-car Detached
Garage spaces: 1
Parking: 4 total
Lot: 42 × 110
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: South
Cross street: Haig St and Scott St W
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment, Water Heater Owned, Separate Hydro Meter, Storage
Parking features: Private, Other

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $500,000 to $470,000).

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

Source: TRREB/PROPTX · MLS® X12972844

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$470K

106 Haig Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $470,000✓ $3,319 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,845/mo

incl. closing costs (yr 1)

Annual total

$46,142

year 1

Mortgage only

$1,783/mo

principal + interest

Beyond mortgage

$1,114/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$94,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$277/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$4,700/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$5,875

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $21,396/yr

Property taxes20% $9,194/yr

Utilities9% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,700/yr

Closing costs11% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$21,396	$1,783/mo
Government & taxes
Property tax	$3,319	$277/mo
Land transfer tax(closing)	$5,875	$490/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,700	$392/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	$46,142	$3,845/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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106 Haig Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs