3 Victoria Street, St. Catharines

$524,900
3 Victoria Street

$524,900

Price Change
18d
Detached2-Storey

3 Victoria Street, St. Catharines

Total Monthly Obligation $2,816

HausQ Valuation Report
Beds
3
Baths
2
Park
3
Sqft
1500-2000
DOM
18d
Score
25
Yield
6.6%
Cash on Cash
3.5%
Cap Rate
5.3%
5Y IRR
18.4%
10Y IRR
16.9%
Property Type-Detached
MLS® Number-X13862716
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-30.31 × 127 ft
Listed on site-Oct 5, 2026
Style-2-Storey
Building Type-Detached
Taxes-$3,886 (2025)
Parking-3 - Detached
Basement-Partially Finished
Heating-Forced Air (Gas)
Brokerage-REVEL Realty Inc., Brokerage
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Immediate
Neighbourhood-459 - Ridley
Title-Residential Freehold

No agent assigned

Welcome to 3 Victoria Street located in the beautiful Ridley area of St. Catharines. Featuring three bedrooms and two baths, this open concept home is ready for your finishing touches. Well-maintained, bright and airy, this character home is centrally located, close to the Downtown core, Ridley College and the GO station. Around the corner is the popular Martindale and Fourth Avenue area which boasts numerous restaurants and shopping options. The home also features a bonus fully finished third floor attic space perfect for another bedroom, flex space, office, playroom and more. DRY partially finished basement offers a two piece bathroom and laundry area. Added space should you wish to finish it! Step out back and enjoy the fully fenced yard and cozy deck area. The detached garage has hydro and could also be used as an office space or workshop for the handyman enthusiast. Opportunities are endless in this beautiful home. Perfect for first time buyers, commuters or anyone looking to purchase a move-in ready home for a great price!

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$419,920
Land Transfer Taxes$6,973
Legal Fees (Est.)
$
Total cash required for closing$113,453

Total Monthly Obligation

$2,816/mo
Mortgage $2,117
Monthly Loss $2,259
Principal$557
Interest$1,560
Property Tax$324
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.3%30
Cash-on-Cash
-2.5%4
5-Year IRR
13.8%63
10-Year IRR
13.6%
Returns Index
32.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
25/ 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
$34,464/yr
NOI
$22,632/yr
Net Cash Flow
-$231/mo
Cash Margin
-8.1%1
Cash Flow Index
1.0/ 100
Risk Profile
Weight: 20%
DSCR
0.8919
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo58
Risk Index
31.7/ 100

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

Comparables

Properties near 3 Victoria Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.