18 Josephine Street, St. Catharines, ON

$829,000
MLS#:X14125538
5 beds
3 baths
2000-2500 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 5 Bed, 3 Bath Home at 18 Josephine Street St. Catharines ON listed at $829,000 (MLS# X14125538) - Main View
For Sale
Added:Oct 28, 2026(today)
Updated:Oct 28, 2026(today)
Last Checked:21 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey duplex located in the coveted neighborhood of Western Hill. Expertly crafted featuring premium vinyl siding and brick construction, this residence presents an exceptional opportunity offered at $829,000 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.

  • 5 Bedrooms and 3 Bathrooms with 2 functional kitchens
  • Generous living space spanning 2000-2500 sqft on a premium 35.89 x 102.17 ft lot
  • Features a separate entrance, walk-up, full, apartment basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (4.0 total parking spaces)
  • Notable attributes: Carpet Free, On Demand Water Heater, Separate Hydro Meter
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

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

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Property Summary

This duplex located at 18 Josephine Street, St. Catharines is currently for sale and has been available for 0 days. This property is listed at $829,000 with an estimated mortgage of $2,759* per month. It has 5 beds, 3 bathrooms, and is 2000-2500 square feet. 18 Josephine Street, St. Catharines is in the Western Hill 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 5 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Western Hill, St. Catharines.

Highly Recommended for Families
What We Love About This Home
  • •5 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •2000-2500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Western Hill, St. Catharines.

Target Buyer Match

Key Features

Bedrooms
5
Bathrooms
3
Kitchens
2
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$829,000
AddedOct 28, 2026 (today)
UpdatedOct 28, 2026 (today)
Last Checked21 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX NIAGARA REALTY LTD, BROKERAGE

Property Details

Property Sub-TypeDuplex
Architectural Style2-Storey
ConstructionVinyl Siding, Brick
BasementSeparate Entrance, Walk-Up, Full, Apartment
Lot Size35.89 Ă— 102.17 Feet
CountyNiagara
Annual Tax$0
Rental ItemsNONE
Legal DescriptionPART LOTS 1045 & 1046 TOWNSHIP PLAN 94 GRANTHAM PARTS 1, 2, 3 & 4 PLAN 30R16062 SUBJECT TO AN EASEMENT OVER PARTS 3 & 4 30R16062 IN FAVOUR OF PART LOTS 1046 & 1047 TOWNSHIP PLAN 94 GRANTHAM PARTS 5-9 30R16062 AS IN NR680749 TOGETHER WITH AN EASEMENT OVER PART LOT 1046 TOWNSHIP PLAN 94 GRANTHAM PARTS 5 & 7 30R16062 AS IN NR680750 CITY OF ST. CATHARINES

Parking & Garage

Parking Total4.0
Parking Space4
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Carpet Free
  • On Demand Water Heater
  • Separate Hydro Meter
  • Water Heater Owned
  • Separate Heating Controls

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.

St. Catharines Home Buyer Advisory & Market HubActive MLS® Listing in St. Catharines, Ontario

Looking to Buy a Home in St. Catharines?

If you are looking for a house in St. Catharines or researching St. Catharines real estate for sale, this 5-bedroom duplex at 18 Josephine Street, St. Catharines, ON offers an exceptional opportunity to buy a home in St. Catharines, Ontario. Whether you are a first-time St. Catharines home buyer or comparing active St. Catharines MLS® homes for sale, working with a dedicated St. Catharines buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

St. Catharines Homes for Sale & MLS® Listings

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Dedicated St. Catharines Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced St. Catharines realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

St. Catharines Buyer Budget & Costs

Estimated mortgage: $2,759*/month*. Estimated Ontario Land Transfer Tax: $13,055. First-time St. Catharines home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in St. Catharines

Frequently Asked Questions about 18 Josephine Street, St. Catharines, ON

Q.What is the asking price for 18 Josephine Street, St. Catharines, ON ?

The current listing price for 18 Josephine Street, St. Catharines, ON in Western Hill, St. Catharines is $829,000.

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

This property features 5 bedrooms and 3 bathrooms across approximately 2000-2500 sqft.

Q.What property type and architectural style is 18 Josephine Street, St. Catharines, ON ?

18 Josephine Street, St. Catharines, ON is a Duplex (2-Storey) featuring a Separate Entrance, Walk-Up, Full, Apartment basement.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free, On Demand Water Heater, Separate Hydro Meter, Water Heater Owned, Separate Heating Controls.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

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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18 Josephine Street, St. Catharines, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Western Hill, 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 & GTA 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 18 Josephine Street, St. Catharines, ON L2S 1J2

Estimated Sales Range
$788,000 - $812,000

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$248,700 (30.0%)
* Minimum Canadian down payment required for this price is $57,900.
Amortization Period30 Years
Estimated Monthly Payment$2,759Based on a loan of $580,300 over 30 years.
Purchase Price$829,000
Loan Amount$580,300
Provincial Land Transfer Tax:$13,055
Total Estimated Closing Taxes:$13,055

About Purchasing a Home in St. Catharines, ON

For a property listed at $829,000 in St. Catharines, the legal minimum down payment is $57,900 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 $13,055 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 $13,055.

Similar Listings in Western Hill, St. Catharines

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Western Hill, St. Catharines Neighborhood Guide

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

Verified Local Data
City Population62,953
City Median Age40.8 Yrs
City Ownership85% Owners
Avg Area List Price$534,947

People & Families

Age Distribution

Household Composition

One-person households
18%
Families with children
50%
Couples without children
28%
Other households
4%

Top Ethnic Origins

English30%
Canadian28%
Scottish22%
Irish21%

Best Schools in Western Hill, St. Catharines

Elementary Schools

St Anthony
Public81 Rykert Street, St. Catharines, Ontario, L2S 1Z2
6.3
Edith Cavell
Public1 Monck Street, St. Catharines, Ontario, L2S 1L5
8.1
Westdale
PublicWestdale Drive, St. Catharines, Ontario, L2S 2B4
9.3
Oakridge
PublicOakridge Avenue, St. Catharines, Ontario, L2T 3R7
9.6
St Peter
Public7 Aberdeen Circle, St. Catharines, Ontario, L2T 2B7
7.5

Secondary Schools

No secondary schools data loaded.

Western Hill, St. Catharines Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied85%
Rented15%

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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