21 Silverdale Drive, St. Catharines

$789,000
21 Silverdale Drive

$789,000

Price Change
28d
DetachedBungalow

21 Silverdale Drive, St. Catharines

Total Monthly Obligation $3,955

Beds
4
Baths
2
Park
3
Sqft
1100-1500
DOM
28d
Score
17
Yield
4.3%
Cash on Cash
-5.6%
Cap Rate
3.4%
5Y IRR
11.1%
10Y IRR
11.1%
Property Type-Detached
MLS® Number-X13827156
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-65 × 117.15 ft
Listed on site-Sep 25, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,771.27 (2026)
Parking-4 - Attached
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Central Air
Laundry-No
Fireplace-Wood
Pool-None
Facing-North
Exterior-Stucco (Plaster)
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Immediate
Neighbourhood-442 - Vine/Linwell
Title-Residential Freehold

No agent assigned

Natural light, a sophisticated palette, and beautifully refreshed spaces set the tone at 21 Silverdale Drive. Set on an established street close to parks, trails, schools, and neighbourhood amenities, this home features an inviting main floor, a flexible lower level, and a private backyard. Inside, the main floor has been opened up and refreshed from top to bottom. The dining room flows into a striking new kitchen with custom cabinetry, soft-close hardware, quartz counters, a new backsplash, sink, and faucet, plus a generous peninsula for prep and casual seating. New vinyl tile defines the kitchen, while refinished hardwood runs through the remainder of the main floor before giving way to the warm, inviting sunken living room, where a fireplace and sliding doors draw in natural light and connect seamlessly with the backyard. The 3 bedrooms on this floor boast large windows and generous closets, while the brand new 4-piece bathroom adds a clean, contemporary finish. Downstairs, the finished lower level adds remarkable flexibility with a full kitchen, a bedroom, a 3-piece bathroom, a recreation room, and a laundry room. New vinyl flooring, fresh paint, updated windows, and a new exterior door complete the space, while separate backyard access makes it ideal for guests, extended family, hobbies, or additional living space. The practical details continue with a large attached garage featuring a workshop area, extensive storage, and a second entry into the home with a convenient closet for seasonal gear. Outside, the fully fenced yard offers a covered patio, generous green space, improved landscaping, and a refurbished shed, while new doors, exterior lighting, window capping, gutters, downspouts, and a concrete walkout access from the basement add to the home's extensive updates. Whether the next chapter calls for more room, more flexibility, or simply a place that feels like home, 21 Silverdale Drive is ready for it.

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

Closing Costs

Mortgage Amount
$631,200
Land Transfer Taxes$12,255
Legal Fees (Est.)
$
Total cash required for closing$171,555

Total Monthly Obligation

$3,955/mo
Mortgage $3,183
Monthly Loss $3,118
Principal$837
Interest$2,345
Property Tax$398
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-10.0%1
5-Year IRR
7.8%22
10-Year IRR
8.8%
Returns Index
12.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$33,900/yr
NOI
$21,239/yr
Net Cash Flow
-$1,413/mo
Cash Margin
-50.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.566
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo39
Risk Index
21.0/ 100

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

Comparables

Properties near 21 Silverdale Drive

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.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.