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$565K · 2 bed Duplex · 451 - Downtown, St. Catharines | MyPropertyScout

$565,000

41 Louisa Street

77 DOM

2277d

Map

⚡ Insider Deal

DOM 77

↓ $34KPrice Reduced

$565,000

↓ $34K

DOM77days

41 Louisa Street

St. Catharines · Ontario L2R 2J5

MLS® X13017716 · 451 - Downtown · L2R 2J5

22TenantOccupied1100-1500 ft²DuplexNoneFull, Partially Finished77d$435/ft²Lot 29 x 110 ft$2,733 tax/yrBuilt 1916110 yrs oldFull, Partially Finished

77 days on market

About this home

Welcome to 41 Louisa Street A Rarely Offered Legal Duplex! Proudly owned by the same family for 35 years, this solid two-storey brick home offers incredible investment potential or the opportunity to live in one unit and rent out the other. Zoned R2 with two separate hydro meters, the property features two self-contained one-bedroom apartments: Upper Unit: Occupying the entire second floor with its own entrance and exclusive use of the front porch. Features a brand new kitchen (2023), spacious l…

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Property details

MLS#: X13017716
Status: Buy Now
Property class: Residential Freehold
Beds: 2
Baths: 2 full, 0 half
Rooms: 11 + 1
Kitchens: 2
Size: 1100-1500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Partially Finished
Style: 2-Storey
Type: Duplex
Year built: 1916

PIN: 462150192
Roll / ARN: 262904002705200

Occupancy: Tenant Occupied
Washrooms: 4 pc · Main; 4 pc · Second
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Block
Property features: Hospital, Level, Park, Public Transit, School

Fireplaces: 0

Garage: None
Garage spaces: 0
Parking: 0 total
Lot: 29 × 110
Heating: Water
Heating fuel: Gas
Cooling: None
Pool: No
Waterfront: No
Exterior: Brick · Deck, Porch
Fronting on: North
Cross street: York St.
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Floor Drain, Separate Hydro Meter, Water Heater
Parking features: Mutual

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $34KPrice reduction

MLS shows the seller reduced the asking price by $34,000 (from $599,000 to $565,000).

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: ROYAL LEPAGE NRC REALTY

Source: TRREB/PROPTX · MLS® X13017716

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$565K

41 Louisa Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $565,000✓ $2,733 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,394/mo

incl. closing costs (yr 1)

Annual total

$52,731

year 1

Mortgage only

$2,143/mo

principal + interest

Beyond mortgage

$1,145/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$113,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$228/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%$5,650/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$7,775

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $25,721/yr

Property taxes20% $10,508/yr

Utilities8% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,650/yr

Closing costs10% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$25,721	$2,143/mo
Government & taxes
Property tax	$2,733	$228/mo
Land transfer tax(closing)	$7,775	$648/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%)	$5,650	$471/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	$52,731	$4,394/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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41 Louisa Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs