Detached House for sale at 19 Water Street, St. Catharines, Ontario, L2R 4T6 - Downtown - MLS: X13132072

new
for sale
for lease
sold
leased
terminated
expired
suspended

19 Water Street

St. Catharines, Ontario, L2R 4T6 - Downtown

$515,000

Neighbourhood

Downtown
Major Intersection

Welland/ Geneva

Listed Since: 6 day(s)
Last update: today

Overview

Property Type

Detached, 1 1/2 Storey
Bedrooms

3 + 1
Bathrooms

2
Basement

Fin W/O + Full
Kitchen

1 + 1
Total Parking

2
Lot Size

40x89 (Feet)
Taxes

$2,826.00 (2025)
Type

Freehold

Property Description

Property description for 19 Water Street, St. Catharines

This solid 1.5 storey home in the heart of downtown St. Catharines checks a lot of boxes, but the one that might matter most right now is this: a fully self-contained 1-bedroom in-law unit in the lower level with its own walk-out separate entrance. This layout also works beautifully for multi-generational living. Whether it's aging parents who want their own space, adult kids coming back home, or a family that simply wants two households under one roof, the separation is there without anyone feeling like they're on top of each other. The main and upper floors have been fully renovated and done right. New custom kitchen with quartz countertops, stainless appliances, and tons of storage, new luxury vinyl plank flooring throughout. Two full bathrooms. Three bedrooms up, plus the suite below. Outside, you've got a large fully fenced backyard and a quiet residential street that's still walkable to everything the downtown has to offer. Coffee, groceries, restaurants, it's all close by. If you've been watching the market wondering how you'd ever make the numbers work, this home is definitely one to see.

Listed by BOSLEY REAL ESTATE LTD.,

Property details

MLS #

X13132072
Sq. Ft

700-1100
Sq. Ft. Source

MLS
Lot Irregularities

n/a
Year Built

51-99
Pool

None
Drive

Private
Garage

None
Total Parking

2
Family Room

N
Den

N
Exterior

Vinyl Siding
Fireplace

N
Roof

Shingles
Foundation

Stone
Elevator

n/a
Water View

n/a
Laundry Level

Lower
Heat

Forced Air
A/C

Central Air
Water

Municipal
Water Supply

n/a
Sewers

Sewers
Central Vac

N

MLS #

X13132072
Sq. Ft

700-1100
Sq. Ft. Source

MLS
Lot Irregularities

n/a
Year Built

51-99
Pool

None
Drive

Private
Garage

None
Total Parking

2
Family Room

N
Den

N
Exterior

Vinyl Siding
Fireplace

N
Roof

Shingles
Foundation

Stone
Elevator

n/a
Water View

n/a
Laundry Level

Lower
Heat

Forced Air
A/C

Central Air
Water

Municipal
Water Supply

n/a
Sewers

Sewers
Central Vac

N

Living

3.9 x 3.9 ft Main level
Dining

2.3 x 3.7 ft Main level
Kitchen

4.5 x 3.9 ft Main level
Br

2.6 x 3.5 ft Main level
2nd Br

2.8 x 3.2 ft Main level
Bathroom

1.5 x 2.6 ft Main level

4 Pc Bath
Primary

4.8 x 3.0 ft 2nd level
Living

5.3 x 2.6 ft Bsmt level
Br

3.1 x 3.2 ft Bsmt level
Kitchen

2.4 x 3.2 ft Bsmt level
Bathroom

2.1 x 1.5 ft Bsmt level

Contact Manoj Kukreja

Sales Representative,
Century 21 People’s Choice Realty Inc.,
Brokerage
(647) 576 - 2100

Local Real Estate Price Trends for Detached in Downtown

Active listings

Average Selling Price of a Detached

April 2026

$465,179

Last 3 Months

$466,451

Last 12 Months

$505,505

April 2025

$566,750

Last 3 Months LY

$503,204

Last 12 Months LY

$536,313

Change

-18%

Change

-7%

Change

-6%

Number of Detached Sold

April 2026

Last 3 Months

Last 12 Months

April 2025

Last 3 Months LY

Last 12 Months LY

Change

40%

Change

33%

Change

10%

How many days Detached takes to sell (DOM)

April 2026

Last 3 Months

Last 12 Months

April 2025

Last 3 Months LY

Last 12 Months LY

Change

35%

Change

-8%

Change

41%

Average Selling price

Inventory Graph

Mortgage Calculator

This data is for informational purposes only.

Mortgage Payment per month
Principal Amount	Interest
Total Payable	Amortization

Property Price

Amortization

Rate of Interest

Down Payment ($)

Down Payment (%)

Closing Cost Calculator

This data is for informational purposes only.

Closing Cost Total for this property

Total Cash flow for purchasing this property

Purchase Price

First time home buyer

Down Payment($)

Down Payment(%)*

Additional information

Provincial Land Transfer Tax

Ontario Land Transfer Tax Rebate

Toronto Land Transfer Tax

Toronto Land Transfer Tax Rebate

PST on CMHC Insurance Premium

Lawyer Fees

$2,825

Government Registration Fee's

$164

Title Insurance

Closing Cost Total

Total Cash flow for purchasing this property

Provincial Land Transfer Tax

Ontario Land Transfer Tax Rebate

Toronto Land Transfer Tax

Toronto Land Transfer Tax Rebate

PST on CMHC Insurance Premium

Lawyer Fees

$2,825

Government Registarion Fee's

$164

Title Insurance

Purchase Price

Down Payment($)

Down Payment(%)*

First time home buyer

* A down payment of less than 20% is permitted only for first-time home buyers purchasing their principal residence. The minimum down payment required is 5% for the portion of the purchase price up to $500,000, and 10% for the portion between $500,000 and $1,500,000. For properties priced over $1,500,000, a minimum down payment of 20% is required.