74 Wiley Street, St. Catharines

$485,000
74 Wiley Street

$485,000

New
30d
Detached1 1/2 Storey

74 Wiley Street, St. Catharines

Total Monthly Obligation $2,667

HausQ Valuation Report
Beds
7
Baths
3
Park
1
Sqft
1500-2000
DOM
30d
Score
27
Yield
7.1%
Cash on Cash
5.2%
Cap Rate
5.7%
5Y IRR
19.7%
10Y IRR
18.0%
Property Type-Detached
MLS® Number-X13817118
Beds-7
Bathrooms-3
Size-1500-2000 sqft
Lot Size-40 × 100 ft
Listed on site-Sep 23, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-51-99
Taxes-$4,027 (2026)
Parking-1 - Attached
Basement-Finished
Heating-Radiant (Gas)
Brokerage-RE/MAX GARDEN CITY REALTY INC, BROKERAGE
Cooling-Other
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Brick, Other
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-ASAP Preferred
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

This solid brick detached home has 7 bedrooms, 3 full bathrooms, and is located in the charming Fitzgerald neighbourhood just North of downtown St.Catharines. With good potential for an in-law suite or auxiliary dwelling unit project the property is a great option for investors, large families, and buyers of all types. There is a main floor bedroom along with full washroom, kitchen, dining room, and living room along with a garage that has been converted into storage space but could be reclaimed as a typical attached garage. On the second floor you will find another full washroom and 4 bedrooms including one that is separate from the others and currently has a kitchenet space you enter through to access the bedroom. The finished basement has two bedrooms, a full washroom, and a living room area as well. Surrounded by amazing neighbours, parks, schools, and walking distance or a short commute from everything that the city and region have to offer.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$388,000
Land Transfer Taxes$6,175
Legal Fees (Est.)
$
Total cash required for closing$104,675

Total Monthly Obligation

$2,667/mo
Mortgage $1,956
Monthly Loss $2,152
Principal$515
Interest$1,442
Property Tax$336
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.6%33
Cash-on-Cash
-1.2%6
5-Year IRR
14.8%70
10-Year IRR
14.5%
Returns Index
36.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
27/ 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
$34,200/yr
NOI
$22,253/yr
Net Cash Flow
-$102/mo
Cash Margin
-3.6%2
Cash Flow Index
2.4/ 100
Risk Profile
Weight: 20%
DSCR
0.9523
LTV Ratio
80.0%18
Vacancy Buffer
3.6 mo61
Risk Index
34.1/ 100

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

Comparables

Properties near 74 Wiley Street

Time

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Data last updated within the past 24 hours.