79 Carlton Street, St. Catharines

$419,000
79 Carlton Street

$419,000

New
31d
DetachedBungalow

79 Carlton Street, St. Catharines

Total Monthly Obligation $2,312

Beds
3
Baths
2
Park
3
Sqft
700-1100
DOM
31d
Score
25
Yield
6.6%
Cash on Cash
3.3%
Cap Rate
5.3%
5Y IRR
18.2%
10Y IRR
16.8%
Property Type-Detached
MLS® Number-X13815090
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-45 × 141.65 ft
Listed on site-Sep 22, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$2,967 (2025)
Parking-4 - Detached
Basement-Partially Finished, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-TBD
Neighbourhood-452 - Haig
Title-Residential Freehold

No agent assigned

Welcome to this spacious and character-filled bungalow, offering plenty of room for the whole family along with the added flexibility of a finished basement with in-law suite potential. With 3+1 bedrooms, 2 full bathrooms (including a 3-piece ensuite bath in the basement), 2 kitchens, and separate entrances, the home offers a versatile layout well suited to families, first-time buyers, downsizers, or those looking for additional living space. The home retains much of its original charm, with beautiful hardwood floors, classic trim, original doors and timeless doorknobs. A separate dining area provides a welcoming space for family meals and entertaining, while the bright sunroom overlooks the backyard and offers a peaceful spot to enjoy the seasons. Outside, the large, private fenced yard provides plenty of space to relax, garden, or entertain, with mature fruit trees adding to its appeal. A detached garage offers additional storage and convenience. Additional features include a high-efficiency furnace, some newer windows, and an owned hot water tank. Ideally located close to the highway, downtown, shopping, schools, and everyday amenities, this home combines character, space, and versatility in a convenient location. A wonderful opportunity to enjoy the charm of a classic bungalow while making the space your own.

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

Closing Costs

Mortgage Amount
$335,200
Land Transfer Taxes$4,855
Legal Fees (Est.)
$
Total cash required for closing$90,155

Total Monthly Obligation

$2,312/mo
Mortgage $1,690
Monthly Loss $1,868
Principal$445
Interest$1,245
Property Tax$247
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.1%28
Cash-on-Cash
-3.3%3
5-Year IRR
13.1%58
10-Year IRR
13.1%
Returns Index
30.2/ 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
$27,480/yr
NOI
$17,265/yr
Net Cash Flow
-$251/mo
Cash Margin
-11.0%1
Cash Flow Index
0.6/ 100
Risk Profile
Weight: 20%
DSCR
0.8517
LTV Ratio
80.0%18
Vacancy Buffer
4.1 mo71
Risk Index
35.4/ 100

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

Comparables

Properties near 79 Carlton Street

Time

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