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123 A&B First Street Louth, St. Catharines, ON L2R 0C9

4 beds · 4 baths · 2 kitchens · 9+7 rooms · 6 parking spaces · 2000-2500 sq ft · Laundry on the lower level level · Duplex
$1,049,900
Property tax
$8,492 / year

A truly one-of-a-kind offering in the highly sought-after Grapeview neighbourhood! This rare property features two semi-detached split level homes under one ownership, creating an exceptional opportunity for multi-generational living, extended families, or those seeking a unique and versatile living arrangement. Together, the homes offer 4 bedrooms plus 2 dedicated dens/offices, skylights in B, solatubes in A, 2 family rooms and 4 full bathrooms, providing generous space and flexibility for today's lifestyles. Situated on a corner lot each residence enjoys its own private entrances facing 2 different streets each having a separate driveway, and attached garage (a single & a 1 1/2 car), allowing for independence while remaining conveniently connected. Another bonus is the shared inground pool (4 1/2' deep - no deep end) with pergola, outside lower level entry close to washroom access, 2 large sheds, combination privacy fencing & iron fencing all surrounded by a lush mature landscape. Ideally located, you'll be just minutes from excellent schools, parks, highway access, major shopping, and the hospital. Enjoy the best of both worlds with nearby roadside markets offering fresh local produce, while still being close to every urban convenience. Properties with this distinctive configuration are exceptionally rare. Whether you're accommodating multiple generations under one ownership or simply looking for a home that offers unmatched flexibility, this is a unique opportunity you won't want to miss.

MLS number
X13633776
Type
Duplex
Status
Active
Bedrooms
4
Bathrooms
4
Postal code
L2R 0C9
Photos
50
Laundry
Lower Level level
39days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

No previous listings found for this address.

Where this property is

This address could not be placed on the mapHomula matches addresses against open government address data, and this one found no match — so the map, the nearby schools and the school boundaries are all unavailable for this listing. It is a gap in our data, not a property without schools nearby.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$209,980 · minimum here is $79,990
$4,648.73per month
Borrowed before insurance$839,920
Total borrowed$839,920
Interest over 25 years at 4.5%$554,699

If you rented it out

-$5,356.40per month out of pocket
Rent$0.00
Everything it costs to hold$5,356.40
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by ROYAL LEPAGE NRC REALTY. Listing data provided by the Toronto Regional Real Estate Board.