17 Gerrard Street, St. Catharines

$524,900
17 Gerrard Street

$524,900

New
8d
Detached2-Storey

17 Gerrard Street, St. Catharines

Total Monthly Obligation $2,776

Beds
2
Baths
2
Park
3
Sqft
1100-1500
DOM
8d
Score
24
Yield
6.2%
Cash on Cash
2.5%
Cap Rate
5.1%
5Y IRR
17.6%
10Y IRR
16.2%
Property Type-Detached
MLS® Number-X14084926
Beds-2
Bathrooms-2
Size-1100-1500 sqft
Lot Size-38.6 × 89 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Detached
Taxes-$3,409 (2025)
Parking-3 - None
Basement-Full, Finished
Heating-Radiant (Gas)
Brokerage-REALTY NETWORK
Cooling-Wall Unit(s)
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick, Wood
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-flexible
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

A rare find in the downtown core, this solid double brick home sits on a quiet street with a wide lot, parking for up to three vehicles and Montebello Park just minutes away. Inside, hardwood flooring runs through the main and upper levels, complemented by a bright open kitchen, two bedrooms plus a separate office, and 1.5 bathrooms. The upper level also features convenient second floor laundry and a bathroom with a separate tub and shower.The full height, fully finished basement provides excellent additional living space, while the low maintenance backyard is perfect for relaxing or entertaining. Enjoy the best of downtown living with shops, restaurants, parks and everyday amenities all close by.

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

Closing Costs

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

Total Monthly Obligation

$2,776/mo
Mortgage $2,117
Monthly Loss $2,219
Principal$557
Interest$1,560
Property Tax$284
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.1%28
Cash-on-Cash
-3.4%3
5-Year IRR
13.0%57
10-Year IRR
13.0%
Returns Index
30.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
24/ 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
$32,772/yr
NOI
$21,586/yr
Net Cash Flow
-$318/mo
Cash Margin
-11.7%0
Cash Flow Index
0.5/ 100
Risk Profile
Weight: 20%
DSCR
0.8517
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo59
Risk Index
31.2/ 100

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

Comparables

Properties near 17 Gerrard 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.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.