53 Mountain Street, St. Catharines

$799,000
53 Mountain Street

$799,000

New
23d
DetachedBungalow

53 Mountain Street, St. Catharines

Total Monthly Obligation $4,310

Beds
2
Baths
3
Park
3
Sqft
1500-2000
DOM
23d
Score
16
Yield
4.1%
Cash on Cash
-8.8%
Cap Rate
2.7%
5Y IRR
8.7%
10Y IRR
9.2%
Property Type-Detached
MLS® Number-X13843600
Beds-2
Bathrooms-3
Size-1500-2000 sqft
Lot Size-44.72 × 150.07 ft
Listed on site-Sep 30, 2026
Style-Bungalow
Building Type-Detached
Age-16-30
Taxes-$8,549.92 (2026)
Parking-5 - Attached
Basement-Finished with Walk-Out, Separate Entrance, Walk-Out
Heating-Forced Air (Gas)
Brokerage-RE/MAX DYNAMICS REALTY
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-East
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-flexible
Neighbourhood-460 - Burleigh Hill
Title-Residential Freehold

No agent assigned

Welcome to 53 Mountain Street, a beautifully cared-for brick bungalow where bright, open living spaces and interesting gardens create a home that's as welcoming as it is memorable. Located in a south St. Catharines' neighbourhood on the escarpment, this 2 bedroom/3 bathroom bungalow offers an inviting open-concept layout highlighted by soaring vaulted ceilings, rich hardwood flooring, and a gas fireplace that creates a warm focal point between the living and dining spaces. The spacious kitchen was newly installed in 2025, featuring abundant cabinetry, generous counter space, a lovely peninsula with seating which opens into the main living area. The lower level offers a large recreation room, plus a media room, plus has in floor heating throughout. Natural light pours through lots of windows and patio doors, creating a bright, airy atmosphere while offering easy access to the elevated deck overlooking a terraced backyard. The gardens feature mature trees, a winding stone pathway, and a tranquil sitting area that provides a peaceful, private retreat. The home's brick exterior, double-car garage, and interlocking stone driveway are nice features of the home, while the thoughtful interior layout offers comfortable living with spacious main rooms. Roof replaced in 2021, Windows and Doors 2021, Furnace 2015, AC 2021. Water on Demand fully serviced June 2026. Ideally located close to parks, schools, shopping, restaurants, Brock University, the Pen Centre, and convenient highway access, this exceptional home offers the perfect balance of privacy, comfort, and convenience. A rare opportunity to own an "all on one level" bungalow with a really cool garden setting in the heart of St. Catharines.

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%
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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$639,200
Land Transfer Taxes$12,455
Legal Fees (Est.)
$
Total cash required for closing$173,755

Total Monthly Obligation

$4,310/mo
Mortgage $3,223
Monthly Loss $3,462
Principal$848
Interest$2,375
Property Tax$712
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.0%12
Cash-on-Cash
-13.0%0
5-Year IRR
5.5%12
10-Year IRR
7.2%
Returns Index
7.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$32,592/yr
NOI
$16,283/yr
Net Cash Flow
-$1,866/mo
Cash Margin
-68.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.424
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo35
Risk Index
19.1/ 100

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

Comparables

Properties near 53 Mountain Street

Time

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