32 Ghent Street, St. Catharines

$545,000
32 Ghent Street

$545,000

New
9d
DetachedBungalow

32 Ghent Street, St. Catharines

Total Monthly Obligation $2,907

Beds
2
Baths
1
Park
2
Sqft
1100-1500
DOM
9d
Score
19
Yield
5.1%
Cash on Cash
-3.1%
Cap Rate
3.9%
5Y IRR
13.1%
10Y IRR
12.6%
Property Type-Detached
MLS® Number-X14080736
Beds-2
Bathrooms-1
Size-1100-1500 sqft
Lot Size-60 × 125 ft
Listed on site-Oct 14, 2026
Style-Bungalow
Building Type-Detached
Taxes-$4,000 (2025)
Parking-3 - Detached
Basement-None
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY COMPASS ESTATES
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Aluminum Siding
Roof-Membrane, Flat
Foundation-Slab
Sewer-Sewer
Possession-Flexible
Neighbourhood-442 - Vine/Linwell
Title-Residential Freehold

No agent assigned

There's something genuinely special about 32 Ghent Street - and it starts the moment you step inside. The natural wood tongue-and-groove ceiling with exposed beams runs the full length of the open-concept living, dining, and kitchen area, giving this 1951 bungalow a warm, cottage-inspired character that's completely unique. Sliding glass and French doors connect the interior directly to a large rear deck with privacy screening and gas BBQ hookup, making indoor-outdoor living seamless. The kitchen is well-appointed with natural wood cabinetry, dark granite counters, a centre island, stainless appliances, and industrial pendant lighting. Two generously sized bedrooms, a 3-piece bath, dedicated laundry room, and central air round out the single-level layout - carpet free throughout. A detached garage and driveway provide parking for three. The backyard is the kind that makes you stop and look twice - deep, fully fenced, and shaded by a canopy of towering mature trees that create a park-like setting right in the city. Steps to Geneva Street, Scott Street shops and restaurants, and a short drive to the QEW. Vine/Linwell is one of St. Catharines' most established and sought-after north-end neighbourhoods.

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$436,000
Land Transfer Taxes$7,375
Legal Fees (Est.)
$
Total cash required for closing$117,875

Total Monthly Obligation

$2,907/mo
Mortgage $2,198
Monthly Loss $2,328
Principal$579
Interest$1,620
Property Tax$333
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.5%1
5-Year IRR
8.9%29
10-Year IRR
9.8%
Returns Index
15.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 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
$27,636/yr
NOI
$16,372/yr
Net Cash Flow
-$834/mo
Cash Margin
-36.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.627
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo56
Risk Index
27.3/ 100

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

Comparables

Properties near 32 Ghent Street

Time

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Data last updated within the past 24 hours.