1577 Gregory Road, St. Catharines

$1,249,900
1577 Gregory Road

$1,249,900

New
18d
Detached2-Storey

1577 Gregory Road, St. Catharines

Total Monthly Obligation $5,965

Beds
2
Baths
2
Park
6
Sqft
2000-2500
DOM
18d
Score
15
Yield
3.4%
Cash on Cash
-9.0%
Cap Rate
2.6%
5Y IRR
8.5%
10Y IRR
9.1%
Property Type-Detached
MLS® Number-X13861942
Beds-2
Bathrooms-2
Size-2000-2500 sqft
Lot Size-198.4 × 425 ft
Listed on site-Oct 5, 2026
Style-2-Storey
Building Type-Detached
Taxes-$6,580.11 (2026)
Parking-8 - Attached
Basement-Partially Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-West
Exterior-Stucco (Plaster)
Roof-Asphalt Shingle, Tar and Gravel
Foundation-Block
Sewer-Septic
Possession-Flexible
Neighbourhood-454 - Rural Fourth
Title-Residential Freehold

No agent assigned

Drawn back from view at the end of a long, private driveway, this 2-storey, 2-bedroom, 2-bathroom home sits on an extraordinary 1.80-acre lot (199 ft frontage x 426 ft depth) on one of St. Catharines' most sought-after streets. Surrounded by mature trees and perched on the bank overlooking Fifteen Mile Pond, this property delivers a level of privacy and natural setting that's genuinely hard to find this close to the city. Step outside to your own private oasis: a fire pit and seating area for evenings under the trees, and a large, screened in sun-filled sunroom taking in the pond and the wildlife around it, in complete quiet. Inside, a large wood-burning fireplace anchors the living space, adding warmth and character to match the setting outside. At 2,041 square feet, the home itself is well cared for and comfortably livable as-is, offering a great canvas to add your own cosmetic updates and personal touches over time - the real value here is the land and the setting around it.Practical features abound: a heated 2-car garage with full electrical, a separate work shed for lawn equipment and tools, and 8+ parking spaces in total - plenty of room for a growing collection of vehicles, toys, or guests.

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

Closing Costs

Mortgage Amount
$999,920
Land Transfer Taxes$21,473
Legal Fees (Est.)
$
Total cash required for closing$272,953

Total Monthly Obligation

$5,965/mo
Mortgage $5,042
Monthly Loss $4,638
Principal$1,327
Interest$3,715
Property Tax$548
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.2%13
Cash-on-Cash
-12.4%0
5-Year IRR
5.8%14
10-Year IRR
7.3%
Returns Index
8.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
15/ 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
$42,432/yr
NOI
$27,109/yr
Net Cash Flow
-$2,783/mo
Cash Margin
-78.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.454
LTV Ratio
80.0%18
Vacancy Buffer
1.6 mo25
Risk Index
15.7/ 100

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

Comparables

Properties near 1577 Gregory Road

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