7 Cecil Street, St. Catharines

$639,900
7 Cecil Street

$639,900

New
9d
DetachedBungalow

7 Cecil Street, St. Catharines

Total Monthly Obligation $3,317

Beds
3
Baths
2
Park
5
Sqft
700-1100
DOM
9d
Score
20
Yield
5.2%
Cash on Cash
-2.3%
Cap Rate
4.1%
5Y IRR
13.8%
10Y IRR
13.2%
Property Type-Detached
MLS® Number-X14031034
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-50 × 150 ft
Listed on site-Oct 14, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,329.14 (2026)
Parking-5 - None
Basement-Finished, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-CENTURY 21 PEOPLE`S CHOICE REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-North
Exterior-Brick, Concrete
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Immediate
Neighbourhood-443 - Lakeport
Title-Residential Freehold

No agent assigned

Welcome to 7 Cecil Street, a beautifully renovated bungalow offering 1,047 sq. ft. of above-grade living space, PLUS a fully finished lower level, situated on an impressive 50 ft by 150 ft lot in the desirable Lakeport community. Extensively renovated with over $200,000 in upgrades, this home offers a bright, modern interior with quality finishes throughout. The stunning white kitchen is the centerpiece of the home, featuring quartz countertops, brand-new stainless steel appliances, soft-close cabinetry, and a large statement island with custom wood detailing. The open-concept Great Room is filled with natural light and features pot lights and a sleek electric fireplace, creating an inviting space for everyday living and entertaining. Offering 2+1 bedrooms, beautifully updated bathrooms, and a fully finished lower level with substantial additional living space, the home provides excellent flexibility for families, guests, a home office, recreation space, or additional living areas. Additional upgrades include a fiberglass front entry door, striking ironwork rear entrance door, pot lights throughout, new flooring, modern railings, concrete driveway and rear patio, electric fireplace, updated finishes throughout, and much more. Conveniently located near shopping, restaurants, parks, schools, and everyday amenities! Beautifully finished from top to bottom, this is a home that needs to be seen to be fully appreciated. Move in, settle in, and enjoy.

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

Closing Costs

Mortgage Amount
$511,920
Land Transfer Taxes$9,273
Legal Fees (Est.)
$
Total cash required for closing$138,753

Total Monthly Obligation

$3,317/mo
Mortgage $2,581
Monthly Loss $2,638
Principal$679
Interest$1,902
Property Tax$361
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%20
Cash-on-Cash
-7.3%1
5-Year IRR
9.9%34
10-Year IRR
10.5%
Returns Index
18.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 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
$33,000/yr
NOI
$20,871/yr
Net Cash Flow
-$842/mo
Cash Margin
-30.6%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.679
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo48
Risk Index
25.1/ 100

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

Comparables

Properties near 7 Cecil Street

Time

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