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31 Pine Street N, Thorold, ON L2V 2P1

5 beds · 3 baths · 3 kitchens · 14 rooms · 5 parking spaces · 2000-2500 sq ft · Triplex
$549,000
Property tax
$3,438 / year

Attention investors! This three-story home in the heart of Thorold is currently being used as a single family home, however was previously a triplex and has R3 zoning. Three levels of living space, with the potential to create three units, one on each floor. All units would need to be updated and brought to code. With two separate driveways there is plenty of off-street parking. Easy highway access, public transit, close to all amenities, schools, shopping and walking trails. Brock University is under 4km away!

MLS number
X13769760
Type
Triplex
Status
Active
Bedrooms
5
Bathrooms
3
Postal code
L2V 2P1
Photos
14
2days · 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

Where this address sits, matched against open government data.

Matched to this street. The listing did not say which direction, and every candidate was in the same place.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Prince of Wales Public School
DSB Niagara
Elementary316 m7.5 / 10
75% met the standard
Pope Francis Catholic Secondary School
Niagara CDSB
Secondary416 mNot reported
Pope Francis Catholic Elementary School
Niagara CDSB
Elementary416 mNot reported
Niagara Catholic Online Secondary School
Niagara CDSB
Secondary447 mNot reported
Thorold Secondary School
DSB Niagara
Secondary579 m7.9 / 10
79% met the standard · 2 of 6 measures
Westmount Public School
DSB Niagara
Elementary654 m6.6 / 10
66% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 679 people.

$59,600Median household income
60.6%Own their home
43.1%Detached houses
44Median age
9%Born outside Canada
20.5%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35260488 — the few blocks around this address, home to 679 people. It describes the area, not this property.

679Population
45Average age
2.1Household size
$76,800Average household income
$59,600Median household income
61%Own their home
39%Rent
9%Condominiums
9%Born outside Canada
21%University degree
$496,000Average home value
14%Low income
67%Not in the labour force
34%Never married
Under $5,0001%
$5,000 to $9,9991%
$10,000 to $14,9991%
$15,000 to $19,9991%
$20,000 to $24,9995%
$25,000 to $29,9995%
$30,000 to $34,9994%
$35,000 to $39,9996%
$40,000 to $44,9995%
$45,000 to $49,9995%
$50,000 to $59,9998%
$60,000 to $69,9995%
$70,000 to $79,9996%
$80,000 to $89,9997%
$90,000 to $99,9995%
$100,000 and over17%
$100,000 to $124,9996%
$125,000 to $149,9996%
$150,000 to $199,9994%
$200,000 and over2%

Percentages are of the 415 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

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

$109,800 · minimum here is $29,900
$2,430.85per month
Borrowed before insurance$439,200
Total borrowed$439,200
Interest over 25 years at 4.5%$290,056

If you rented it out

-$2,717.35per month out of pocket
Rent$0.00
Everything it costs to hold$2,717.35
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 Century 21 Heritage House LTD. Listing data provided by the Toronto Regional Real Estate Board.