12 Roseland Avenue, St. Catharines

$549,900
12 Roseland Avenue

$549,900

New
18d
DetachedBungalow

12 Roseland Avenue, St. Catharines

Total Monthly Obligation $2,950

HausQ Valuation Report
Beds
3
Baths
2
Park
3
Sqft
700-1100
DOM
18d
Score
22
Yield
6.0%
Cash on Cash
1.1%
Cap Rate
4.8%
5Y IRR
16.4%
10Y IRR
15.3%
Property Type-Detached
MLS® Number-X13863078
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-60 × 100 ft
Listed on site-Oct 5, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,280.32 (2025)
Parking-4 - Detached
Basement-Finished, Full, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-ROCK STAR REAL ESTATE INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Stone, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-60-89 days
Neighbourhood-444 - Carlton/Bunting
Title-Residential Freehold

No agent assigned

Discover a bright, well-kept bungalow on a quiet, mature street in St. Catharines' desirable north end. With 3 bedrooms and 2 bathrooms, this home offers a comfortable layout with room to grow.The main floor features hardwood flooring throughout much of the space, along with a good-sized kitchen and separate dining area that flows seamlessly into the living room. Updates over the years: basement waterproofing and sump pump (2017) and roof 2021. The finished basement adds a large rec room or in-law potential, which suits multigenerational families and investors alike. Outside, enjoy a private, fenced backyard ideal for kids, pets and entertaining, along with a long driveway offering parking for up to four vehicles and a detached garage. Everyday essentials are close at hand, with schools, parks, shopping and transit nearby, plus easy highway access for commuters. Book your private showing today.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$439,920
Land Transfer Taxes$7,473
Legal Fees (Est.)
$
Total cash required for closing$118,953

Total Monthly Obligation

$2,950/mo
Mortgage $2,218
Monthly Loss $2,366
Principal$584
Interest$1,634
Property Tax$357
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.8%25
Cash-on-Cash
-4.6%3
5-Year IRR
12.0%50
10-Year IRR
12.2%
Returns Index
26.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$33,264/yr
NOI
$21,157/yr
Net Cash Flow
-$455/mo
Cash Margin
-16.4%0
Cash Flow Index
0.2/ 100
Risk Profile
Weight: 20%
DSCR
0.7914
LTV Ratio
80.0%18
Vacancy Buffer
3.2 mo55
Risk Index
29.0/ 100

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

Comparables

Properties near 12 Roseland Avenue

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.