69 York Street, St. Catharines

$489,900
69 York Street

$489,900

Price Change
24d
DetachedBungalow

69 York Street, St. Catharines

Total Monthly Obligation $2,547

Beds
3
Baths
1
Park
2
Sqft
700-1100
DOM
24d
Score
21
Yield
5.4%
Cash on Cash
-0.7%
Cap Rate
4.4%
5Y IRR
15.0%
10Y IRR
14.2%
Property Type-Detached
MLS® Number-X13839804
Beds-3
Bathrooms-1
Size-700-1100 sqft
Lot Size-44.99 × 90.5 ft
Listed on site-Sep 29, 2026
Style-Bungalow
Building Type-Detached
Age-100+
Taxes-$2,351.29 (2026)
Parking-2 - None
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-Platinum Lion Realty Inc
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Stucco (Plaster), Concrete
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

Welcome to 69 York Street, a fully renovated and move-in ready 3-bedroom bungalow in the heartof St. Catharines. Recent updates include a new roof, windows, flooring, and appliances, soyou can settle right in. The bright living room flows into a stylish kitchen with crisp whiteshaker cabinetry, a striking black and white patterned backsplash, and stainless steelappliances. The updated bath features a marble-look tub surround and modern matte blackfixtures, while warm wide-plank flooring and neutral tones carry throughout the home. A fullunfinished basement offers plenty of storage and room to grow. Step outside to a generouslysized, fully fenced backyard on a 45 x 90 ft lot, with plenty of space for gardening,entertaining, or letting pets and kids play. The shed has power, so it could become a workshopor studio, with room to expand in the future. A charming covered front porch and privatedriveway complete the package. With single-level living and a manageable footprint, this homeis ideal for downsizers and first-time buyers alike. Close to downtown, schools, parks,transit, and easy QEW access.

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

Closing Costs

Mortgage Amount
$391,920
Land Transfer Taxes$6,273
Legal Fees (Est.)
$
Total cash required for closing$105,753

Total Monthly Obligation

$2,547/mo
Mortgage $1,976
Monthly Loss $2,027
Principal$520
Interest$1,456
Property Tax$196
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.4%22
Cash-on-Cash
-6.5%2
5-Year IRR
10.5%39
10-Year IRR
11.0%
Returns Index
20.6/ 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
$26,340/yr
NOI
$16,855/yr
Net Cash Flow
-$572/mo
Cash Margin
-26.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7110
LTV Ratio
80.0%18
Vacancy Buffer
3.8 mo65
Risk Index
31.1/ 100

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

Comparables

Properties near 69 York Street

Time

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