Located in a mature, quiet north-end St. Catharines neighbourhood, this fully updated legal side-split duplex is a turnkey income property delivering $50,640 in gross annual rent with tenants covering their own hydro - built the way a cash-flowing investment property should be. Two completely self-contained units, separate hydro meters, private entrances, and independent in-suite laundry for each suite mean zero shared infrastructure, zero utility disputes, and zero landlord headaches - a clean, low-maintenance ownership structure from day one. The main-level unit is bright and well-proportioned, with large windows pulling natural light into an open-concept living and dining area; the kitchen has been modernized with quartz countertops and new appliances, including a dishwasher, complemented by three solid bedrooms, a four-piece quartz bathroom, and a dedicated washer and dryer. The lower suite is accessed through a private rear entrance and offers a surprisingly functional layout: a generously sized primary bedroom with two above-grade windows, a two-piece bathroom on that level, plus an open-concept kitchen, dining, and living area with a new stove and fridge, a full three-piece bathroom, and its own in-suite laundry. Both units have been freshened with new paint and carpet-free vinyl flooring throughout, and the water heater is owned - no rental contracts to inherit. Current combined rent is $4,220 per month with both units occupied and tenants paying their own hydro, steps from Walker's Creek Park and a short drive to Fairview Mall, the QEW, local schools, and everyday amenities - a location that attracts and retains quality long-term tenants. Showings with notice.