Legal duplex - vacant upper unit - excellent investment opportunity. Excellent opportunity to own a legal duplex in an established St. Catharines neighbourhood offering immediate rental income and strong future income potential. The main floor and lower level are occupied by great long-term tenants, providing reliable income from day one. The vacant second-floor unit gives the new owner the flexibility to select their own tenant and establish current market rent, creating an attractive opportunity to maximize overall income. For an owner-occupier, move into the vacant upper unit while benefiting from substantial rental income from the existing tenanted portion to help offset mortgage and carrying costs. The property features two self-contained units with separate private entrances and separate hydro meters. Additional features include an updated kitchen, coin laundry, private driveway, and front and rear decks. Conveniently located in the established Haig Street neighbourhood within walking distance of downtown St. Catharines, shopping, restaurants, entertainment and public transit. With legal duplex status, established tenants, a vacant upper unit, separate hydro meters, and strong income potential, this is a compelling opportunity for investors and owner-occupiers alike.
4 bedrooms, 5 bathrooms, about 1,500 sq ft, works out to roughly $266 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 43 York St
Every detail from the listing, in one place.
Type
Duplex
Style
2-Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
3 spaces
Basement
Full, Finished
Features & systems
Parking & garage
Parking spaces
3
Interior
Basement
Full · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Duplex
43 York St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$1,958
/mo
based on the purchase price of $398,500
$79,700 cash
$318,800 financed
$268,513 total interest
Principal54%$318,800
Interest46%$268,513
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.
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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.
Similar homes for sale nearby in St. Catharines
Other 3-bed homes for sale in St. Catharines around $399K.
Average days on market38Homes sold in about 38 days on average.
Sale-to-list ratio96.6%On average, homes sold below asking.
Active listings757Homes for sale here right now.
Median vs prior 90 days+0.8%Compared with Apr 16 – Jul 15, 2026: prices up.
Based on 596 sales from Jul 15 – Oct 13, 2026 (495 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
43 York St is listed at $398,500 (MLS® X13721904). Summitly updates the price as soon as the MLS® record changes.
Is $398,500 a good price for 43 York 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 43 York St changed?
Yes — it was first listed at $425,000 and is now $398,500, a drop of $26,500 (6.2%).
How many bedrooms and bathrooms does 43 York St have?
43 York St has 4 bedrooms and 5 bathrooms, with about 1,500–2,000 square feet of living space. It is a duplex in St. Catharines.
Is 43 York St close to transit?
The nearest rapid-transit station is St. Catharines GO Station (Lakeshore West GO), about 1.8 km (about a 23-minute walk) 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 43 York St?
About $1,958 a month — principal and interest on $398,500 with 20% down ($79,700), 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 43 York St compare with other homes in St. Catharines?
Its asking price of $398,500 is about 28% below the median sold price in St. Catharines over the last 90 days, $554,500, across 596 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 43 York St been sold before?
Summitly has no earlier MLS® sale or lease of 43 York St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 43 York St?
43 York St is in St. Catharines, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 43 York St been on the market?
46 days — 43 York St was listed on August 28, 2026.
What is the price per square foot of 43 York St?
About $199 to $266 per square foot: the asking price of $398,500 over the 1,500–2,000 sq ft the listing gives as its size range.
