446 Geneva Street, St. Catharines

$575,000
446 Geneva Street

$575,000

New
23d
DetachedBungalow

446 Geneva Street, St. Catharines

Total Monthly Obligation $3,115

Beds
2
Baths
2
Park
3
Sqft
1100-1500
DOM
23d
Score
18
Yield
4.8%
Cash on Cash
-5.0%
Cap Rate
3.5%
5Y IRR
11.6%
10Y IRR
11.5%
Property Type-Detached
MLS® Number-X13844188
Beds-2
Bathrooms-2
Size-1100-1500 sqft
Lot Size-60 × 115 ft
Listed on site-Sep 30, 2026
Style-Bungalow
Building Type-Detached
Taxes-$5,047 (2026)
Parking-3 - None
Basement-Finished, Crawl Space
Heating-Forced Air (Wood)
Brokerage-RIGHT AT HOME REALTY
Cooling-Central Air
Laundry-No
Fireplace-Wood, Living Room
Pool-None
Facing-West
Exterior-Brick, Vinyl Siding
Roof-Shingles
Foundation-Concrete, Unknown, Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-442 - Vine/Linwell
Title-Residential Freehold

No agent assigned

Welcome home to this charming side-split bungalow, tucked into a sought-after, tree-lined neighbourhood just minutes - under 4 km - from the waterfront lifestyle of Port Dalhousie.Step inside to a bright, open-concept living and dining area anchored by a crackling wood fireplace and a sweeping picture window framing the backyard. Picture slow weekend mornings here: coffee in hand, fire glowing, garden views stretching out before you.The main level keeps on giving. A fully insulated family room - flooded with natural light through sliding glass doors to the yard - works beautifully as a home office today, yet converts effortlessly back to an indoor garage or an extra bedroom, complete with a pantry that doubles as a closet. The beautifully renovated modern kitchen offers generous storage and clean, contemporary style. A versatile exercise or hobby room doubles as guest quarters, with convenient access to a 3-piece bath featuring a stand-up shower. A well-appointed laundry room with stacked washer, dryer, and sink, plus a furnace room with access to the insulated crawl space, round out this level.Upstairs, two spacious bedrooms with gleaming hardwood floors share a stylish, updated 4-piece bathroom.Outside, a huge backyard invites summer barbecues, gardening, and play - with two wood sheds keeping sports gear and tools neatly tucked away.And the big-ticket items are done: owned furnace replaced February 2025, roof shingles replaced March 2021, kitchen renovated February 2026, and laminate flooring updated within the last decade. Just move in and enjoy.This one won't last - book your showing today.

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

Closing Costs

Mortgage Amount
$460,000
Land Transfer Taxes$7,975
Legal Fees (Est.)
$
Total cash required for closing$124,475

Total Monthly Obligation

$3,115/mo
Mortgage $2,319
Monthly Loss $2,505
Principal$610
Interest$1,709
Property Tax$421
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-10.2%1
5-Year IRR
7.7%21
10-Year IRR
8.8%
Returns Index
12.0/ 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
$27,540/yr
NOI
$15,239/yr
Net Cash Flow
-$1,049/mo
Cash Margin
-45.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.556
LTV Ratio
80.0%18
Vacancy Buffer
3.1 mo52
Risk Index
25.3/ 100

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

Comparables

Properties near 446 Geneva Street

Time

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