148 Geneva Street, St. Catharines, ON L3R 4N9
St. Catharines, ON L3R 4N9
Quick cost estimateKnown monthly subtotal$3,729.25 / monthLand transfer tax $10,455One-time estimate
Quick cost estimate
$3,729.25 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,252.34
- Property tax / month
- $476.92
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $10,455
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $10,455
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
1870 HERITAGE HOME in St. Catharines! Beyond its heritage appeal, the property is zoned R3, offering a wide variety of potential uses subject to buyer verification. Whether you invision a restored single-family residence, a multi-unit conversion, professional office, live/work space, or another permitted use, this zoning provides flexibilty rarely found in a home of this character. The property enjoys excellent visibility and convenient access to downtown St. Catharines, transit, amenities and major routes, close to the QEW. This spacious 5+ bedroom, 4 bathroom home showcases original details that simply cannot be replicated, from historic millwork and trim to period charm throughout. An adjacent studio apartment with its own entrance also compliments this historic structure. An oversized 2 car garage with workshop sits on this extra large lot 122' X 74' as well. Some remodelling and updates has been completed. Roof (2022) new oil tank (2024). This property offers excellent income potential and is currently being offered as a short term rental situation with excellent tenants and income. A truly unique offering for heritage enthusiasts, investors, and visionaries alike. 148 Geneva invites you to preserve the past while shaping the future. In the past this property has been used as an antique shop & art studio.
Home details
- Days on market
- Not reported
- Property type
- Duplex
- MLS® number
- X13811482
- Source status
- Price Change
- Bedrooms
- 5
- Bathrooms
- 4
- Postal code
- L3R 4N9
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 3000-3500
- Lot depth
- 122 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 7
- Occupancy
- Tenant
- Possession type
- 30-59 days
- Garage
- Detached
- Annual property tax
- 5723
- Basement
- Unfinished
- Interior features
- Accessory Apartment
- Architectural style
- 2-Storey
- Parking features
- Private Double
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- No
- Elevator
- No
- Garage available
- Yes
- Heating system
- Water
- Heating fuel
- Oil
- Cooling
- None
- Sewer
- Sewer
- Direction facing
- East
- Construction materials
- Brick Veneer
- Roof
- Asphalt Rolled
- Foundation
- Block, Brick
- MLS entry age (not confirmed DOM)
- 46 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Water
- Heating fuel
- Oil
- Cooling
- None
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 5
- Rooms above grade
- 12
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $699,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- NIAGARA
- Municipality
- ST. CATHARINES
- MLS® community
- 451 - Downtown
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
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Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
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Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in St. Catharines
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
148 Geneva Street, St. Catharines, ON L3R 4N9, St. Catharines is listed for sale as a Duplex. The listing reports 5 bedrooms, 4 bathrooms, reported interior area of 3000-3500 (units not reported), kitchens reported as 1, parking spaces reported as 7. Asking price: $699,000. Occupancy is reported as Tenant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13811482.
Local context
Explore the area: St. Catharines · 451 - Downtown.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: ROYAL LEPAGE NRC REALTY. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13811482. Information deemed reliable but not guaranteed.