557 Lake Street, St. Catharines, ON L2N 4J1
St. Catharines, ON L2N 4J1
Quick cost estimateKnown monthly subtotal$3,481.17 / monthLand transfer tax $9,773One-time estimate
Quick cost estimate
$3,481.17 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,093.67
- Property tax / month
- $387.50
- 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
- $9,773
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
- $9,773
- 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
Welcome to 557 Lake St - a well-kept, income-generating 2-family home in the highly convenient north end of St. Catharines. This solid property features two spacious 3-bedroom units-one on the main level and one on the lower level-each offering generous living space and modern updates. The layout also allows the home to be easily converted back into a single-family residence if preferred, giving you exceptional flexibility. Step inside to find tastefully renovated interiors, including updated kitchens with stone countertops, refreshed bathrooms, and clean, contemporary finishes throughout. Bright, functional layouts make both units appealing to families and long-term tenants. With two separate hydro meters, each household manages its own usage-a great feature for investors. Both units are currently leased to families, providing immediate, steady rental income. Perfectly located near shopping, parks, transit, and top-rated schools including Eden High School, St. Francis Catholic Secondary, Parnall PS, Dalewood PS, and École Élémentaire L'Héritage, this property offers the ideal blend of convenience, size, and value. Whether you're expanding your rental portfolio, seeking a multi-family living solution, or wanting a home that can easily be returned to single-family use, 557 Lake St is a fantastic opportunity worth exploring.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13588644
- Source status
- New
- Bedrooms
- 6
- Bathrooms
- 2
- Postal code
- L2N 4J1
- Kitchens
- 3
- Kitchens above grade
- 2
- Kitchens below grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1100-1500
- Lot size
- < .50 acres (reported range)
- Lot depth
- 111.19 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 4
- Occupancy
- Tenant
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 4650
- Basement
- Finished with Walk-Out
- Interior features
- Carpet Free, In-Law Capability, In-Law Suite, Separate Hydro Meter
- Architectural style
- Bungalow
- Parking features
- Private
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- West
- Construction materials
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Concrete
- MLS entry age (not confirmed DOM)
- 108 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
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
- 3
- Bedrooms below grade
- 3
- Rooms above grade
- 5
- Rooms below grade
- 5
- Den / family room reported
- No
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
- $664,900
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.
Explore sold records with approved VOW access →Nearby homes sold near 557 Lake Street, St. Catharines, ON L2N 4J1, St. Catharines
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Sign in · Request accessEstimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
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
- 443 - Lakeport
Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
École élémentaire L'Héritage ↗
Elementary · JK-8 · French · Public
35 Prince Charles promenade, St. Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Saint Francis Catholic Secondary School ↗
Secondary · 9-12 · English · Catholic
541 Lake St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 71%
- Grade 10 OSSLT (first-attempt pass)
- 88%
Lifetime Learning Centre Secondary School ↗
Secondary · 9-12 · English · Public
34 Catherine St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Eden High School ↗
Secondary · 9-12 · English · Public
535 Lake St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 73%
- Grade 10 OSSLT (first-attempt pass)
- 91%
Parnall Public School ↗
Elementary · JK-8 · English · Public
507 Geneva St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 95%
- Grade 3 Writing (at provincial standard)
- 86%
- Grade 3 Mathematics (at provincial standard)
- 81%
- Grade 6 Reading (at provincial standard)
- 97%
- Grade 6 Writing (at provincial standard)
- 91%
- Grade 6 Mathematics (at provincial standard)
- 69%
Pine Grove Public School ↗
Elementary · JK-8 · English · Public
690 Lake St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 84%
- Grade 3 Writing (at provincial standard)
- 82%
- Grade 3 Mathematics (at provincial standard)
- 87%
- Grade 6 Reading (at provincial standard)
- 95%
- Grade 6 Writing (at provincial standard)
- 93%
- Grade 6 Mathematics (at provincial standard)
- 73%
William Hamilton Merritt Public School ↗
Elementary · JK-8 · English · Public
114 Linwell Rd, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 76%
- Grade 3 Writing (at provincial standard)
- 56%
- Grade 3 Mathematics (at provincial standard)
- 60%
- Grade 6 Reading (at provincial standard)
- 96%
- Grade 6 Writing (at provincial standard)
- 93%
- Grade 6 Mathematics (at provincial standard)
- 59%
St James Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
615 Geneva St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 80%
- Grade 3 Writing (at provincial standard)
- 80%
- Grade 3 Mathematics (at provincial standard)
- 72%
- Grade 6 Reading (at provincial standard)
- 100%
- Grade 6 Writing (at provincial standard)
- 95%
- Grade 6 Mathematics (at provincial standard)
- 67%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
Filter the records displayed below.
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.
Filter the records displayed below.
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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Are the measurements and features independently verified?
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.
What do nearby school, transit and shop results mean?
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.
Can I see sold prices for nearby properties?
Sold and leased comparable records are shown only to approved VOW users where the source permits display. Sign in or request VOW access if prompted.
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
557 Lake Street, St. Catharines, ON L2N 4J1, St. Catharines is listed for sale as a Detached. The listing reports 6 bedrooms, 2 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 3, parking spaces reported as 4, lot size reported as < .50 acres (reported range). Asking price: $664,900. 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® X13588644.
The Ministry’s school dataset lists École élémentaire L'Héritage approximately 258 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists École élémentaire L'Héritage approximately 258 m from the property’s mapped location.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility.
Explore the area: St. Catharines · 443 - Lakeport.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: RE/MAX ESCARPMENT REALTY INC.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13588644. Information deemed reliable but not guaranteed.