35 Kinsey Street, St. Catharines

$519,000
35 Kinsey Street

$519,000

New
2d
DetachedBungalow

35 Kinsey Street, St. Catharines

Total Monthly Obligation $2,834

Beds
4
Baths
2
Park
4
Sqft
1100-1500
DOM
2d
Score
26
Yield
6.9%
Cash on Cash
4.6%
Cap Rate
5.6%
5Y IRR
19.2%
10Y IRR
17.6%
Property Type-Detached
MLS® Number-X14105112
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-52.5 × 105 ft
Listed on site-Oct 21, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,384.41 (2026)
Parking-4 - None
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-RE/MAX HENDRIKS TEAM REALTY
Cooling-Central Air
Laundry-No
Fireplace-Living Room
Pool-Inground
Facing-South
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-458 - Western Hill
Title-Residential Freehold

No agent assigned

Now this is a lot of value packed into one house! This well-maintained and renovated detached bungalow is located in a convenient St. Catharines neighbourhood close to parks, schools, public transit and everyday amenities. Offering over 1,300 sq. ft. plus a fully finished basement, this home features 4 bedrooms, 2 full bathrooms and a separate bonus room currently being used as an office. Step inside to an oversized family room offering plenty of space for entertaining with two separate dining areas, a custom built-in TV unit with fireplace and sliding patio doors leading directly to the backyard. Just off the family room is the separate room currently being used as an office. A few steps up is the kitchen overlooking the main living space with an abundance of cabinetry and stainless steel appliances. Down the hall are 3 generously sized bedrooms. The primary was originally the home's living room which gives it considerably more space than you would typically find in a bungalow of this size as well as having access to your own outdoor space. Two additional bedrooms and a 4-piece bathroom complete the main floor. The fully finished lower level adds even more living space with a large open rec room featuring plenty of pot lighting. You will also find a 4th bedroom currently being used as an office, a 3-piece bathroom with an oversized custom tiled walk-in shower and a laundry room. Just when you thought this home couldn't offer any more, step outside! The oversized backyard is fully fenced with new fencing and features a large heated inground pool, spacious patio with gazebo, oversized storage shed, fire pit area and an outdoor TV mounted along the fence. There is plenty of space to entertain, relax and make the most of the summer months. With this much finished living space, 4 bedrooms, a renovated interior and a heated inground pool, this is a lot of house for the money. Come see it for yourself before someone else does!

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$415,200
Land Transfer Taxes$6,855
Legal Fees (Est.)
$
Total cash required for closing$112,155

Total Monthly Obligation

$2,834/mo
Mortgage $2,094
Monthly Loss $2,283
Principal$551
Interest$1,543
Property Tax$365
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.5%32
Cash-on-Cash
-1.6%5
5-Year IRR
14.5%68
10-Year IRR
14.2%
Returns Index
35.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
26/ 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
$35,832/yr
NOI
$23,364/yr
Net Cash Flow
-$146/mo
Cash Margin
-4.9%2
Cash Flow Index
1.8/ 100
Risk Profile
Weight: 20%
DSCR
0.9322
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo57
Risk Index
32.3/ 100

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

Comparables

Properties near 35 Kinsey Street

Time

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