105 ELMA Street, St. Catharines

$749,000
105 ELMA Street

$749,000

New
22d
DetachedBungalow-Raised

105 ELMA Street, St. Catharines

Total Monthly Obligation $3,816

Beds
5
Baths
2
Park
4
Sqft
700-1100
DOM
22d
Score
18
Yield
4.7%
Cash on Cash
-4.2%
Cap Rate
3.7%
5Y IRR
12.3%
10Y IRR
12.0%
Property Type-Detached
MLS® Number-X13847160
Beds-5
Bathrooms-2
Size-700-1100 sqft
Lot Size-50 × 100 ft
Listed on site-Oct 1, 2026
Style-Bungalow-Raised
Building Type-Detached
Age-31-50
Taxes-$5,034 (2025)
Parking-5 - Attached
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-REVEL Realty Inc., Brokerage
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-30-60 DAY CLOSE PREFFERED
Neighbourhood-443 - Lakeport
Title-Residential Freehold

No agent assigned

5 things you'll love about this 5 Bed, 2 Bath Raised Bungalow at this price point. 1 Location, location, location, prime north end St.Catherines neighbourhood close to all possible amenities. 2. Zero water or sewage damage from this summer, house is flood free. 3. In-law capabilities with separate entrance off side patio to the lower level. 5th bedroom can be converted back to Rec Room or use as is. 4.Concrete driveway 3 cars wide to fit all the family vehicles, with room to store your boat/trailer, or jet skis. 5. Total turn key with nothing to do but move in and enjoy. Hard surface flooring throughout with no carpet. Main floor consists of a spacious open concept feel with upgraded kitchen, roomy living room & dining room. 3 spacious bedrooms and 4 pc. bathroom. Lower level consists of separate side entrance, 2 large bedrooms (5th bedroom converted from Rec Room , can also be used as a Rec Room again if a 5th bedroom is not needed. Large laundry room with room to add kitchen if desired. Private backyard is fully fenced with a 12'x 18' deck with Gazebo stepping down to another 12'x18' paver stone patio. House is a pleasure to view, fully updated inside and out you wont be disappointed!

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

Closing Costs

Mortgage Amount
$599,200
Land Transfer Taxes$11,455
Legal Fees (Est.)
$
Total cash required for closing$162,755

Total Monthly Obligation

$3,816/mo
Mortgage $3,021
Monthly Loss $3,021
Principal$795
Interest$2,226
Property Tax$420
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.7%1
5-Year IRR
8.7%27
10-Year IRR
9.6%
Returns Index
14.9/ 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
$35,232/yr
NOI
$22,175/yr
Net Cash Flow
-$1,173/mo
Cash Margin
-40.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.617
LTV Ratio
80.0%18
Vacancy Buffer
2.5 mo41
Risk Index
22.0/ 100

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

Comparables

Properties near 105 ELMA Street

Time

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