DuplexListed today

18 Josephine St, St. Catharines

Name: 18 Josephine Street
SKU: X14125538
Price: 829000 CAD
Availability: InStock

St. Catharines, ON · · MLS® X14125538Updated October 28, 2026

$829,000Est. $4,073/mo mortgage

Bedrooms: 3
Bathrooms: 2
Living space: 2000–2500sq ft
Parking spaces: 4

Type Duplex
Basement Separate Entrance, Walk-Up

What you should know

18 Josephine St is a 3-bedroom, 2-bathroom duplex in St. Catharines, listed for $829,000. It has 2000-2500 sq ft of living space.

Expertly crafted by a custom builder, this exceptional legal duplex offers two beautifully finished, fully self-contained residences, quality construction and the added peace of mind of a Tarion warranty.
Generous windows fill the home with natural light, while the thoughtfully designed kitchen features a peninsula for meal preparation and casual dining.
With its own dedicated living spaces, it provides an excellent option for tenants or extended family.

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3 Bed, 2 Bath Duplex in St. Catharines

About 18 Josephine Street

Expertly crafted by a custom builder, this exceptional legal duplex offers two beautifully finished, fully self-contained residences, quality construction and the added peace of mind of a Tarion warranty. Ideal for investors, multigenerational families or those seeking to offset ownership costs with rental income, the property offers remarkable flexibility without sacrificing privacy.Occupying the main and upper floors, the spacious two-storey residence features three bedrooms, including a principal bedroom with ensuite privilege. Generous windows fill the home with natural light, while the thoughtfully designed kitchen features a peninsula for meal preparation and casual dining. Patio doors open to a composite rear deck, perfect for outdoor dining, entertaining or simply quiet relaxation.The inviting lower-level residence is equally well appointed, offering two bedrooms, a comfortable living room and a stylish kitchen with an island. With its own dedicated living spaces, it provides an excellent option for tenants or extended family. Both residences include appliances, separate utility systems and individually owned on-demand hot water systems, enhancing convenience and independence. A composite front porch and driveway parking add to the property's appeal. Conveniently located near the train station, everyday amenities and highway access, this custom-built duplex combines modern comfort, thoughtful design and exceptional versatility. A remarkable blend of craftsmanship, comfort, and investment potential! Discover the possibilities

3 bedrooms, 2 bathrooms, about 2,000 sq ft, works out to roughly $415 per square foot. Chat with Zara if you'd like a deeper read on whether this duplex fits your budget and timing.

Inside 18 Josephine St

Every detail from the listing, in one place.

Type: Duplex
Style: 2-Storey
Living space: 2000-2500 sq ftas stated on the listing
Parking: 4 spaces
Basement: Separate Entrance, Walk-Up

Features & systems

Parking & garage

Parking spaces: 4

Interior

Basement: Separate Entrance · Walk-Up

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Duplex

18 Josephine St Price & Sale History

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

Oct 28, 2026For saleListedThis listingMLS® X14125538$829,000

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

What's it worth?

How 18 Josephine 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 1,066 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: $602,906
Average days on market: 39
Homes sold: 569

Closed sales on the TRREB MLS®.

Full St. Catharines market report

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.

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Home	Sold price	$ / sqft	% of asking	Sold
This home18 Josephine Street 3 bd · 2 ba · 2,000 sqft	$829,000asking	$415	—	—
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.

Costs, Mortgage & Rental Return for 18 Josephine St

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

Mortgage: $4,073; 20% down · 25 years · 5.5% assumed
Property tax: $456; 0.66% mill rate · ON
Total per month: $4,529; 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

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Down payment

Rate (%)

Years

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

Affordability calculator

Estimated monthly payment

$4,073

/mo

based on the purchase price of $829,000

Down payment20%

$165,800 cash

Amortization25 yr

$663,200 financed

Rate5.50%

$558,588 total interest

Principal54%$663,200

Interest46%$558,588

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

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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.

For homeowners nearby

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Listing brokerage: RE/MAX NIAGARA REALTY LTD, BROKERAGEMLS® X14125538 · Listing data last updated October 28, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

For sale· listed Oct 27· $415/sq ft

Estimated monthly mortgage$4,073/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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