212 Niagara Street, St. Catharines

$430,000
212 Niagara Street

$430,000

New
18d
Detached1 1/2 Storey

212 Niagara Street, St. Catharines

Total Monthly Obligation $2,334

Beds
3
Baths
1
Park
2
Sqft
700-1100
DOM
18d
Score
23
Yield
6.0%
Cash on Cash
1.2%
Cap Rate
4.8%
5Y IRR
16.5%
10Y IRR
15.4%
Property Type-Detached
MLS® Number-X13869206
Beds-3
Bathrooms-1
Size-700-1100 sqft
Lot Size-36.35 × 86.25 ft
Listed on site-Oct 5, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$2,689.6 (2026)
Parking-3 - Detached
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-NEW ERA REAL ESTATE
Cooling-Central Air
Laundry-No
Fireplace-Electric, Living Room
Pool-None
Facing-East
Exterior-Stucco (Plaster), Vinyl Siding
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-30+ days
Neighbourhood-445 - Facer
Title-Residential Freehold

No agent assigned

Welcome to this charming 1.5-storey home offering a warm, inviting layout, thoughtful updates and plenty of potential for growing families, first-time buyers or downsizers alike. Carpet-free throughout, the main floor features a cozy living room highlighted by an electric fireplace and stylish feature wall, creating the perfect space to relax and unwind. The updated eat-in kitchen combines functionality with modern appeal, showcasing a tiled backsplash, stainless steel stove and a moveable kitchen island that provides additional workspace and casual seating. The main floor also offers a spacious primary bedroom, along with a well-appointed 4-piece main bathroom. Upstairs, you'll find two additional good-sized bedrooms, providing comfortable accommodations for family members, guests or a home office. The full unfinished basement adds valuable storage space and excellent future potential, with laundry facilities and an owned tankless hot water heater already in place. Outside, enjoy a partially fenced backyard featuring a wooden deck and gazebo-an inviting setting for morning coffee, outdoor dining or entertaining friends and family. A detached single-car garage provides convenient parking and additional storage. Ideally located close to schools, parks, public transit, highway access and all major amenities, this home offers the perfect combination of comfort, convenience and opportunity. Move-in ready with room to make it your own, this is a wonderful place to call home!

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

Closing Costs

Mortgage Amount
$344,000
Land Transfer Taxes$5,075
Legal Fees (Est.)
$
Total cash required for closing$92,575

Total Monthly Obligation

$2,334/mo
Mortgage $1,735
Monthly Loss $1,877
Principal$456
Interest$1,278
Property Tax$224
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.7%24
Cash-on-Cash
-5.2%2
5-Year IRR
11.6%47
10-Year IRR
11.9%
Returns Index
24.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$25,752/yr
NOI
$15,987/yr
Net Cash Flow
-$402/mo
Cash Margin
-18.7%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7713
LTV Ratio
80.0%18
Vacancy Buffer
4.1 mo71
Risk Index
33.9/ 100

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

Comparables

Properties near 212 Niagara 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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