31 Stuart Avenue, St. Catharines, ON

$588,000
MLS#:X13752872
3 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 2 Bath Home at 31 Stuart Avenue St. Catharines ON listed at $588,000 (MLS# X13752872) - Main View
For Sale
Added:Sep 8, 2026(1 day ago)
Updated:Sep 8, 2026(1 day ago)
Last Checked:8 minutes ago

Property Highlights

Welcome to this remarkable 1 1/2 Storey duplex located in the coveted neighborhood of Downtown. Expertly crafted featuring premium stucco (plaster) construction, this residence presents an exceptional opportunity offered at $588,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 1100-1500 sqft on a premium 40 x 120 ft lot
  • Features a full, unfinished, separate entrance, development potential basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Accessory Apartment, In-Law Capability, Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Lovely character home with great curb appeal and full of charm located in the coveted Fitzgerald area of downtown St.Catharines. Welcome to 31 Stuart Avenue a wonderful long time family owned Duplex that features a two bedroom apartment on the main floor and a large bright one bedroom apartment up! Basement is unfinished and with it's side entrance could be a third unit. As you enter the ground floor you will find a comfortable living room with a bay window allowing lots of natural light and a cozy wood burning fireplace. A nice sized dining area leads to a working kitchen, there are two bedrooms on this level both with fantastic corner windows with views of the generous backyard. A four piece bath completes this level. The second level boasts a bright spacious one bedroom apartment which is accessed from a separate entrance at the rear of the home. The lot is 40X120 and features a one car garage and a concrete driveway. Whether you are a savy investor looking for a great investment property or a buyer looking for some help with the mortgage this home may be for you. Upgrades over the years include most newer vinyl windows and a metal long life roof(Hindrea Roofing 2018). Located within walking distance to Harriet Tubman or St.Denis Elementary schools and for secondary St.Catharines Collegiate or St.Francis Secondary the later would qualify for bus transportation. Close to all other amenities including shopping, churches and fine dining you will love the convenience of this downtown location. Be sure to check out the local website for details on community events and more info about the FITZ at fitzgeraldneighbours.ca. Don't miss out on this opportunity to own this lovely home, call your Realtor today!

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Property Summary

This duplex located at 31 Stuart Avenue, St. Catharines is currently for sale and has been available on SousaSells for 1 day. This property is listed at $588,000 with an estimated mortgage of $1,957* per month. It has 3 beds, 2 bathrooms, and is 1100-1500 square feet. 31 Stuart Avenue, St. Catharines is in the Downtown neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Downtown, St. Catharines.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in St. Catharines.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
2
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$588,000
AddedSep 8, 2026 (1 day ago)
UpdatedSep 8, 2026 (1 day ago)
Last Checked8 minutes ago
Transaction TypeFor Sale
List Office NameRIGHT AT HOME REALTY, BROKERAGE

Property Details

Property Sub-TypeDuplex
Architectural Style1 1/2 Storey
ConstructionStucco (Plaster)
BasementFull, Unfinished, Separate Entrance, Development Potential
Lot Size40 Ă— 120 Feet
CountyNiagara
Annual Tax$3,739.64
Rental ItemsHot Water Heater
Legal DescriptionPT LT 10-12 CY PL 163 GRANTHAM AS IN RO390318; ST. CATHARINES

Parking & Garage

Parking Total4.0
Parking Space3
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Accessory Apartment
  • In-Law Capability
  • Primary Bedroom - Main Floor
  • In-Law Suite

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Frequently Asked Questions about 31 Stuart Avenue, St. Catharines, ON

Q.What is the asking price for 31 Stuart Avenue, St. Catharines, ON ?

The current listing price for 31 Stuart Avenue, St. Catharines, ON in Downtown, St. Catharines is $588,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 2 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 31 Stuart Avenue, St. Catharines, ON ?

31 Stuart Avenue, St. Catharines, ON is a Duplex (1 1/2 Storey) featuring a Full, Unfinished, Separate Entrance, Development Potential basement.

Q.What interior features are included in this home?

Interior highlights include: Accessory Apartment, In-Law Capability, Primary Bedroom - Main Floor, In-Law Suite.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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31 Stuart Avenue, St. Catharines, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Downtown, St. Catharines

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 31 Stuart Avenue, St. Catharines, ON L2R 1M8

Estimated Sales Range
$559,000 - $576,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

Configure Loan Settings

Interest Rate4.00%
Down Payment$176,400 (30.0%)
* Minimum Canadian down payment required for this price is $33,800.
Amortization Period30 Years
Estimated Monthly Payment$1,957Based on a loan of $411,600 over 30 years.
Purchase Price$588,000
Loan Amount$411,600
Provincial Land Transfer Tax:$8,235
Total Estimated Closing Taxes:$8,235

About Purchasing a Home in St. Catharines, ON

For a property listed at $588,000 in St. Catharines, the legal minimum down payment is $33,800 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $8,235 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $8,235.

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Downtown, St. Catharines Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Downtown, St. Catharines.

Verified Local Data
City Population323,103
City Median Age40.5 Yrs
City Ownership86% Owners
Avg Area List Price$761,815

People & Families

Age Distribution

Household Composition

One-person households
15%
Families with children
52%
Couples without children
28%
Other households
5%

Top Ethnic Origins

Italian35%
Canadian10%
Russian8%
Chinese6%

Best Schools in Downtown, St. Catharines

Elementary Schools

St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
6.3
Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Denis
Public175 Carlton Street, St. Catharines, Ontario, L2R 1S1
5.4
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5

Secondary Schools

No secondary schools data loaded.

Downtown, St. Catharines Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied86%
Rented14%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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