1 Thorndale Avenue, St. Catharines

$549,000
1 Thorndale Avenue

$549,000

New
43d
DetachedBungalow

1 Thorndale Avenue, St. Catharines

Total Monthly Obligation $2,922

Beds
4
Baths
2
Park
2
Sqft
700-1100
DOM
43d
Score
21
Yield
5.7%
Cash on Cash
-0.3%
Cap Rate
4.5%
5Y IRR
15.3%
10Y IRR
14.4%
Property Type-Detached
MLS® Number-X13767070
Beds-4
Bathrooms-2
Size-700-1100 sqft
Lot Size-44.2 × 108 ft
Listed on site-Sep 10, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$3,992 (2025)
Parking-3 - Detached
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Shingles
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-452 - Haig
Title-Residential Freehold

No agent assigned

Welcome to your next chapter in the heart of St. Catharines! This beautifully maintained 4-bedroom, 2-bathroom bungalow offers the perfect combination of modern updates, flexible living space, and an unbeatable central location just minutes from the QEW, shopping, restaurants, parks, and top-rated schools. Step inside and be greeted by a bright, open-concept layout designed for both everyday living and effortless entertaining. The stunning renovated kitchen (2018) serves as the heart of the home, seamlessly connecting to the spacious living and dining areas where family and friends can gather with ease. When it's time to unwind, cozy up beside the gorgeous gas fireplace (2022) in the inviting family room, creating the perfect atmosphere for relaxing evenings. Outside, the curb appeal shines with brand-new siding (2024), while the fully fenced backyard offers your own private retreat. Enjoy summer barbecues, morning coffee, and outdoor entertaining on the newly installed concrete patio, with the added convenience of a detached garage providing extra storage and parking. The thoughtful layout includes two bedrooms on the main floor and two additional bedrooms on the lower level, making it ideal for growing families, multi-generational living, or those needing extra space for guests or a home office. A separate entrance to the lower level unlocks incredible potential for an in-law suite or income-generating opportunity, complete with a large family room, laundry area, and utility space. Whether you're searching for your forever family home or an investment with future possibilities, this move-in-ready property checks all the boxes. Don't miss your opportunity to own this exceptional home-schedule your private showing today and experience everything it has to offer!

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%
%
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$
$
(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$439,200
Land Transfer Taxes$7,455
Legal Fees (Est.)
$
Total cash required for closing$118,755

Total Monthly Obligation

$2,922/mo
Mortgage $2,215
Monthly Loss $2,339
Principal$583
Interest$1,632
Property Tax$333
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.9%2
5-Year IRR
11.0%43
10-Year IRR
11.4%
Returns Index
22.3/ 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
$31,188/yr
NOI
$19,577/yr
Net Cash Flow
-$583/mo
Cash Margin
-22.4%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7411
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo56
Risk Index
28.4/ 100

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

Comparables

Properties near 1 Thorndale Avenue

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.