614b Niagara Street, St. Catharines

$699,900
614b Niagara Street

$699,900

New
4d
Semi-Detached Bungaloft

614b Niagara Street, St. Catharines

Total Monthly Obligation $3,612

HausQ Valuation Report
Beds
3
Baths
3
Park
2
Sqft
1100-1500
DOM
4d
Score
16
Yield
3.9%
Cash on Cash
-8.2%
Cap Rate
2.8%
5Y IRR
9.1%
10Y IRR
9.6%
Property Type-Semi-Detached
MLS® Number-X14094648
Beds-3
Bathrooms-3
Size-1100-1500 sqft
Lot Size-47.38 × 90.31 ft
Listed on site-Oct 19, 2026
Style-Bungaloft
Building Type-Semi-Detached
Age-0-5
Taxes-$4,963 (2025)
Parking-3 - Attached
Basement-Finished with Walk-Out, Finished, Separate Entrance, Walk-Up, Full, Apartment
Heating-Forced Air (Gas)
Brokerage-RE/MAX GARDEN CITY REALTY INC, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Stone, Stucco (Plaster)
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-immediate/flexible
Neighbourhood-441 - Bunting/Linwell
Title-Residential Freehold

No agent assigned

Welcome to 614B Niagara Street! This unique semi-detached home offers a versatile multi-level layout featuring 3 bedrooms and 3 full bathrooms. The main floor includes 2 bedrooms and a full bathroom, while the upper level features a private primary bedroom with its own ensuite. The fully finished basement offers a spacious living area, kitchen, full bathroom and convenient walk-up access to the backyard, offering excellent potential for an in-law suite (subject to necessary approvals) or extended family living. A fantastic opportunity for buyers looking for flexible living space! The basement remained dry and was not affected by the recent heavy rainstorms. The garage is currently set up as a gym and storage area, and the seller is willing to remove the gym equipment and restore it to a traditional garage at the buyer's request.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$559,920
Land Transfer Taxes$10,473
Legal Fees (Est.)
$
Total cash required for closing$151,953

Total Monthly Obligation

$3,612/mo
Mortgage $2,823
Monthly Loss $2,869
Principal$743
Interest$2,080
Property Tax$414
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.1%13
Cash-on-Cash
-12.7%0
5-Year IRR
5.7%13
10-Year IRR
7.3%
Returns Index
7.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$27,000/yr
NOI
$14,837/yr
Net Cash Flow
-$1,587/mo
Cash Margin
-70.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.444
LTV Ratio
80.0%18
Vacancy Buffer
2.7 mo44
Risk Index
21.9/ 100

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

Comparables

Properties near 614b 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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Data last updated within the past 24 hours.