71 PLYMOUTH Avenue, St. Catharines

$489,000
71 PLYMOUTH Avenue

$489,000

Price Change
35d
DetachedBungalow

71 PLYMOUTH Avenue, St. Catharines

Total Monthly Obligation $2,602

Beds
4
Baths
2
Park
4
Sqft
1100-1500
DOM
35d
Score
25
Yield
6.4%
Cash on Cash
3.1%
Cap Rate
5.3%
5Y IRR
18.1%
10Y IRR
16.7%
Property Type-Detached
MLS® Number-X13804448
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-82.5 × 110 ft
Listed on site-Sep 18, 2026
Style-Bungalow
Building Type-Detached
Taxes-$3,058.04 (2026)
Parking-4 - None
Basement-Separate Entrance, Finished
Heating-Forced Air (Gas)
Brokerage-BLUE WHALE CAPITAL REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-450 - E. Chester
Title-Residential Freehold

No agent assigned

Welcome to 71 Plymouth Ave - a move-in ready, versatile detached home situated on an oversized double corner lot in St. Catharines. Offering two self-contained living spaces with separate private entrances, full kitchens and bathrooms, this property is ideal for multi-generational living, an owner-occupier looking to offset monthly costs, or a turn-key investment opportunity with strong rental potential. The main level offers a spacious 3-bedroom + den/flex layout, while the lower level features a separate 1-bedroom living space with its own entrance, kitchen and bathroom. Previously rented for approximately $2,600/month upstairs and $1,500/month downstairs, for a combined historical rental income of approximately $4,100/month. Approximately $12,000 in recent upgrades and improvements, including a new Lennox furnace (2025), fresh interior paint (2026), newer washer, updated HVAC wiring and Google Nest thermostat. The oversized double corner lot also offers exciting future extension, redevelopment or additional residential potential, with nearby precedent, subject to municipal approvals and buyer due diligence. Large yard, double driveway with parking for up to 4 vehicles, and convenient access to the QEW, transit, shopping and amenities. Some photos are virtually staged.

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

Closing Costs

Mortgage Amount
$391,200
Land Transfer Taxes$6,255
Legal Fees (Est.)
$
Total cash required for closing$105,555

Total Monthly Obligation

$2,602/mo
Mortgage $1,972
Monthly Loss $2,083
Principal$519
Interest$1,453
Property Tax$255
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.2%29
Cash-on-Cash
-3.0%4
5-Year IRR
13.3%60
10-Year IRR
13.2%
Returns Index
31.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
25/ 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
$31,200/yr
NOI
$20,522/yr
Net Cash Flow
-$262/mo
Cash Margin
-10.1%1
Cash Flow Index
0.7/ 100
Risk Profile
Weight: 20%
DSCR
0.8718
LTV Ratio
80.0%18
Vacancy Buffer
3.7 mo63
Risk Index
33.0/ 100

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

Comparables

Properties near 71 PLYMOUTH Avenue

Time

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