164 Lake St, St. Catharines

Name: 164 Lake Street
SKU: X13685044
Price: 434900 CAD
Availability: InStock

2 Bed, 2 Bath Duplex in St. Catharines

About 164 Lake Street

Character, Income & Convenience - A Duplex With Personality! Unique character duplex, very well taken care of, with fantastic income potential and plenty of parking, outdoor space and updates! Whether you're looking for an investment property, a mortgage helper, or a comfortable home for the extended family, this one offers flexibility that is hard to find. The upstairs unit is truly one-of-a-kind, blending a cool retro vibe with an art-deco-inspired feel. The bright, modern open-concept layout features a charming pot-belly stove, stylish kitchen and an incredible jacuzzi tub bathroom. A staircase leading to the storage loft adds even more character and visual appeal. Both units have convenient side-door access to the shared laundry and basement. The main-floor unit is equally inviting, featuring a character-filled living room with fireplace, currently being used as a second bedroom, and stained glass windows. The primary bedroom has sliding glass doors onto a large rear deck, creating a wonderful indoor/outdoor living space. Outside, you'll find a fenced yard, front and rear decks, a double garage and three-point parking at the rear - plenty of room for vehicles, tenants and entertaining. Major improvements and features include waterproofed basement, mostly newer windows, renovated units and low-maintenance outdoor spaces. And the location is hard to beat - centrally located with easy access to the highway, shopping and everyday amenities. Live in one unit and rent out the other to help with the mortgage, add this to your investment portfolio, or keep it as a fantastic extended-family setup. The possibilities are yours! Unique character. Multiple income options. Plenty of parking, great location. Just collect the rent!

2 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $395 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this duplex fits your budget and timing.

Inside 164 Lake St

Every detail from the listing, in one place.

Type: Duplex
Style: 2-Storey
Living space: 1100-1500 sq ftas stated on the listing
Parking: 8 spacesYes garage
Basement: Full, Unfinished

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 8

Interior

Basement: Full · Unfinished

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Duplex

164 Lake St Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

—ReducedPrice reducedThis listingMLS® X13685044−$15,000 (3.3%)$434,900
Aug 17, 2026For saleListedThis listingMLS® X13685044$449,900

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 164 Lake St Compares to the St. Catharines Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Excellent Deal· based on 1,050 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

St. Catharines market, last 90 days

Median sold price: $550,000
Average sold price: $601,889
Average days on market: 38
Homes sold: 564

Closed sales on the TRREB MLS®.

Full St. Catharines market report

Market pulse · St. Catharines

St. Catharines market

Median sold price$550,000Last 90 days
Average days on market38Homes sold in about 38 days on average.
Sale-to-list ratio96.5%On average, homes sold below asking.
Active listings752Homes for sale here right now.
Median vs prior 90 days0.0%Compared with Apr 25 – Jul 24, 2026.

Based on 564 sales from Jul 24 – Oct 22, 2026 (502 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.

Recently sold nearby in St. Catharines

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

See what these homes actually sold for

Free with a Summitly account. Sign in once and sold prices unlock across the site.

Home	Sold price	$ / sqft	% of asking	Sold
This home164 Lake Street 2 bd · 2 ba · 1,100 sqft	$434,900asking	$395	—	—
107 Lake Street 4 bd · 2 ba · 1,100 sqft
135 Lake Street 2 bd · 2 ba · 1,100 sqft
162-164 MAIN Street 5 bd · 3 ba · 2,000 sqft
14 Bond Street 3 bd · 2 ba · 1,100 sqft
55 Maple Street 3 bd · 2 ba · 1,500 sqft
4 Kirk Street 3 bd · 2 ba · 700 sqft

107 Lake Street
4 bd · 2 ba · 1,100 sqft
135 Lake Street
2 bd · 2 ba · 1,100 sqft
162-164 MAIN Street
5 bd · 3 ba · 2,000 sqft
14 Bond Street
3 bd · 2 ba · 1,100 sqft
55 Maple Street
3 bd · 2 ba · 1,500 sqft
4 Kirk Street
3 bd · 2 ba · 700 sqft

Living in St. Catharines: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

Transit nearby

Stations and stops, straight-line distance

St. Catharines GO StationLakeshore West GO2.4 km

Places from OpenStreetMap (© OpenStreetMap contributors) and Summitly's station list. Distances are straight-line, not routes.

Loading schools, parks, groceries and more nearby…

Transit

St. Catharines GO Station (Lakeshore West GO)2.4 km

Nearest subway, GO and LRT stations first, then bus and streetcar stops.

St. Catharines GO Station
2.4 kmClosest· Lakeshore West GO
Homes near St. Catharines GO Station

Straight-line distances from the listing; walking times assume about 80 m a minute. Places © OpenStreetMap contributors, a community-maintained map that may miss or misplace some places. Directions and place details open on Google Maps.

How long is your commute?

From 164 Lake St. Typical times without traffic delays; transit times aren't available yet.

Costs, Mortgage & Rental Return for 164 Lake St

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $2,137; 20% down · 25 years · 5.5% assumed
Property tax: $239; 0.66% mill rate · ON
Total per month: $2,376; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

Enter a rate to see the monthly cost

Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$2,137

/mo

based on the purchase price of $434,900

Down payment20%

$86,980 cash

Amortization25 yr

$347,920 financed

Rate5.50%

$293,040 total interest

Principal54%$347,920

Interest46%$293,040

20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

Want rate-drop alerts and a saved shortlist?

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

Rental income potential

Est. monthly rent

low–high

Gross yield

rent × 12 ÷ price

Cap rate (est.)

net of tax + fees

Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.

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Questions About 164 Lake St

How much is 164 Lake St listed for?

164 Lake St is listed at $434,900 (MLS® X13685044). Summitly updates the price as soon as the MLS® record changes.

Is $434,900 a good price for 164 Lake St?

Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in St. Catharines. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate

Has the price of 164 Lake St changed?

Yes — it was first listed at $449,900 and is now $434,900, a drop of $15,000 (3.3%).

How many bedrooms and bathrooms does 164 Lake St have?

164 Lake St has 2 bedrooms and 2 bathrooms, with about 1,100–1,500 square feet of living space. It is a duplex in St. Catharines.

Is 164 Lake St close to transit?

The nearest rapid-transit station is St. Catharines GO Station (Lakeshore West GO), about 2.4 km in a straight line. Distances are straight-line, not walking routes; check the transit agency for routes and schedules.

How much would the monthly mortgage be on 164 Lake St?

About $2,137 a month — principal and interest on $434,900 with 20% down ($86,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.

How does 164 Lake St compare with other homes in St. Catharines?

Its asking price of $434,900 is about 21% below the median sold price in St. Catharines over the last 90 days, $550,000, across 564 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.

Has 164 Lake St been sold before?

Summitly has no earlier MLS® sale or lease of 164 Lake St on record from the last two years. Older records aren't shown under TRREB rules.

Where is 164 Lake St?

164 Lake St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.

How long has 164 Lake St been on the market?

66 days — 164 Lake St was listed on August 17, 2026.

What is the price per square foot of 164 Lake St?

About $290 to $395 per square foot: the asking price of $434,900 over the 1,100–1,500 sq ft the listing gives as its size range.

Does 164 Lake St have parking or a garage?

Yes — the listing gives 8 parking spaces. Garage: Yes.

What you should know

2 Bed, 2 Bath Duplex in St. Catharines

About 164 Lake Street

Inside 164 Lake St

Features & systems

164 Lake St Price & Sale History

How 164 Lake St Compares to the St. Catharines Market

St. Catharines market, last 90 days

Recently sold nearby in St. Catharines

Living in St. Catharines: Location & Amenities

How long is your commute?

Costs, Mortgage & Rental Return for 164 Lake St

Monthly cost of owning

Mortgage payments

Monthly cost

Rental income potential

Own a home on Lake Street? See what yours is worth

Zara, any time

A licensed local agent

See 164 Lake St, St. Catharines in person

Similar homes for sale nearby in St. Catharines

Explore More Duplexes in St. Catharines

2 Bed, 2 Bath Duplex in St. Catharines

About 164 Lake Street

Inside 164 Lake St

Features & systems

164 Lake St Price & Sale History

How 164 Lake St Compares to the St. Catharines Market

St. Catharines market, last 90 days

Market pulse · St. Catharines

Recently sold nearby in St. Catharines

Living in St. Catharines: Location & Amenities

Transit nearby

Transit

How long is your commute?

Costs, Mortgage & Rental Return for 164 Lake St

Monthly cost of owning

Mortgage payments

Monthly cost

Rental income potential

Own a home on Lake Street? See what yours is worth

Zara, any time

A licensed local agent

See 164 Lake St, St. Catharines in person

Questions About 164 Lake St

How much is 164 Lake St listed for?

Is $434,900 a good price for 164 Lake St?

Has the price of 164 Lake St changed?

How many bedrooms and bathrooms does 164 Lake St have?

Is 164 Lake St close to transit?

How much would the monthly mortgage be on 164 Lake St?

How does 164 Lake St compare with other homes in St. Catharines?

Has 164 Lake St been sold before?

Where is 164 Lake St?

How long has 164 Lake St been on the market?

What is the price per square foot of 164 Lake St?

Does 164 Lake St have parking or a garage?

Similar homes for sale nearby in St. Catharines

Explore More Duplexes in St. Catharines

Market pulse · St. Catharines

Transit nearby

Transit

Questions About 164 Lake St

How much is 164 Lake St listed for?

Is $434,900 a good price for 164 Lake St?

Has the price of 164 Lake St changed?

How many bedrooms and bathrooms does 164 Lake St have?

Is 164 Lake St close to transit?

How much would the monthly mortgage be on 164 Lake St?

How does 164 Lake St compare with other homes in St. Catharines?

Has 164 Lake St been sold before?

Where is 164 Lake St?

How long has 164 Lake St been on the market?

What is the price per square foot of 164 Lake St?

Does 164 Lake St have parking or a garage?