12 Garnet Street, St. Catharines

$450,000
12 Garnet Street

$450,000

New
44d
DetachedBungalow

12 Garnet Street, St. Catharines

Total Monthly Obligation $2,421

HausQ Valuation Report
Beds
2
Baths
1
Park
2
Sqft
700-1100
DOM
44d
Score
21
Yield
5.3%
Cash on Cash
-1.8%
Cap Rate
4.2%
5Y IRR
14.1%
10Y IRR
13.4%
Property Type-Detached
MLS® Number-X13763486
Beds-2
Bathrooms-1
Size-700-1100 sqft
Lot Size-37.7 × 101.45 ft
Listed on site-Sep 9, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$2,764 (2025)
Parking-2 - None
Basement-Crawl Space, Partial Basement, Partially Finished
Heating-Forced Air (Gas)
Brokerage-REVEL Realty Inc., Brokerage
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-445 - Facer
Title-Residential Freehold

No agent assigned

Charming North-end bungalow! This 2 bedroom home is a perfect starter or for those looking to down size. Offering 2 generous sized main floor bedrooms this gem is sure to please. The kitchen had a face lift featuring all new cabinetry, flooring, granite counters, stainless steel appliances and done tastefully in white and grey and loaded with cabinets. The cabinetry continues into the dining room for extra storage.The bathroom also had a refresh and has new cabinetry, heated floors and double sinks. A home offering a great location and loaded with charm. Easy care laminate flooring throughout the main floor. The basement is partially finished and is a great space for either storage or kids to play. This home was not flooded in 2025 and remains dry. The side entrance leads up to the kitchen or down to the basement. 2 driveway spaces with a small yard keep it practical but quaint. The location is key, so close to schools, shopping, QEW and churches. This little gem is awaiting its new owner!

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$360,000
Land Transfer Taxes$5,475
Legal Fees (Est.)
$
Total cash required for closing$96,975

Total Monthly Obligation

$2,421/mo
Mortgage $1,815
Monthly Loss $1,943
Principal$478
Interest$1,338
Property Tax$230
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-7.9%1
5-Year IRR
9.5%32
10-Year IRR
10.2%
Returns Index
17.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$23,820/yr
NOI
$14,174/yr
Net Cash Flow
-$634/mo
Cash Margin
-31.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.658
LTV Ratio
80.0%18
Vacancy Buffer
4.0 mo68
Risk Index
31.7/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 12 Garnet Street

Time

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