628 Vine Street, St. Catharines

$749,900
628 Vine Street

$749,900

New
25d
DetachedSidesplit

628 Vine Street, St. Catharines

Total Monthly Obligation $3,767

Beds
3
Baths
2
Park
5
Sqft
700-1100
DOM
25d
Score
18
Yield
4.6%
Cash on Cash
-4.4%
Cap Rate
3.6%
5Y IRR
12.1%
10Y IRR
11.9%
Property Type-Detached
MLS® Number-X13839672
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-132.93 × 46.59 ft
Listed on site-Sep 28, 2026
Style-Sidesplit
Building Type-Detached
Taxes-$4,401.71 (2025)
Parking-7 - Attached
Basement-Finished, Finished with Walk-Out
Heating-Forced Air (Gas)
Brokerage-BOLDT REALTY INC., BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-Electric, Living Room, Wood, Rec Room
Pool-None
Facing-East
Exterior-Stucco (Plaster)
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Flexable
Neighbourhood-442 - Vine/Linwell
Title-Residential Freehold

No agent assigned

Welcome to this beautifully maintained North-end St. Catharines side-split, ideally located just minutes from Lake Ontario, Sunset Beach, scenic trails, parks, shopping, and top-rated schools. This home offers the perfect balance of comfort, lifestyle, and convenience for families and downsizers alike. Lovingly cared for by the same family for nearly 40 years, pride of ownership is evident throughout. The bright open-concept main floor creates a warm and inviting space where everyday living and entertaining come together effortlessly. The living room features an electric fireplace with ambient lighting and flows seamlessly into the updated kitchen, complete with quartz countertops, stainless steel appliances, custom cabinetry, and a large island perfect for gathering with family and friends. Upstairs offers three spacious bedrooms and a beautifully updated spa-inspired bathroom with modern finishes. The finished lower level provides additional living space with a cozy recreation room centered around a wood-burning fireplace with granite surround, along with a stunning oversized custom shower, heated floors in the basement bathroom and hallway, ceiling speakers, and pot lights for added comfort. This home has also seen numerous important updates over the years including stucco exterior (2023), garage doors and openers (2023), furnace and A/C (2021), roof (2019), owned tankless water heater, and newer windows and doors. Step outside to enjoy a private fenced backyard featuring a covered porch, patio, decorative pond with lighting and heater, vegetable garden, and over 20 manicured shrubs. An interlocking circular driveway provides parking for up to five vehicles, while the heated two-car garage with summer kitchen offers incredible flexibility. A wonderful opportunity to own a thoughtfully updated home in one of St. Catharines' most desirable north-end communities.

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

Closing Costs

Mortgage Amount
$599,920
Land Transfer Taxes$11,473
Legal Fees (Est.)
$
Total cash required for closing$162,953

Total Monthly Obligation

$3,767/mo
Mortgage $3,025
Monthly Loss $2,971
Principal$796
Interest$2,229
Property Tax$367
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.9%18
Cash-on-Cash
-8.9%1
5-Year IRR
8.6%26
10-Year IRR
9.5%
Returns Index
14.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$34,224/yr
NOI
$21,900/yr
Net Cash Flow
-$1,200/mo
Cash Margin
-42.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.607
LTV Ratio
80.0%18
Vacancy Buffer
2.6 mo41
Risk Index
22.2/ 100

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

Comparables

Properties near 628 Vine Street

Time

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