20 ARTHUR Street, St. Catharines

$799,900
20 ARTHUR Street

$799,900

New
28d
DetachedSidesplit

20 ARTHUR Street, St. Catharines

Total Monthly Obligation $4,048

Beds
4
Baths
2
Park
2
Sqft
1100-1500
DOM
28d
Score
18
Yield
4.6%
Cash on Cash
-4.6%
Cap Rate
3.6%
5Y IRR
12.0%
10Y IRR
11.8%
Property Type-Detached
MLS® Number-X13827914
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-57.8 × 117.75 ft
Listed on site-Sep 25, 2026
Style-Sidesplit
Building Type-Detached
Age-16-30
Taxes-$5,352 (2025)
Parking-1 - Detached
Basement-Full
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-Inground
Facing-West
Exterior-Metal/Steel Siding, Brick Front
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-FLEXIBLE
Neighbourhood-437 - Lakeshore
Title-Residential Freehold

No agent assigned

Classic charm and comfortable family living come together at 20 Arthur Street in St. Catharines. A spacious covered front porch welcomes you into this inviting home, offering a spot to enjoy your morning coffee or unwind at the end of the day. Inside, timeless details, generous living spaces and an abundance of natural light create a warm and comfortable atmosphere. Step into the inviting living room where a large picture window, cozy fireplace mantel and rich wood accents create a welcoming space for relaxing or entertaining. Just off the living room a spacious kitchen combines functionality with classic style featuring extensive custom cabinetry, generous counter space, a double sink and a bright dining area overlooking the yard. Large windows and a glass door fill the space with natural light while providing easy access to the backyard. Upstairs three generously sized bedrooms offer ample closet space, while the primary bedroom stands out with beautiful hardwood flooring, crown moulding and large glass doors leading to a private outdoor sitting area. Surrounded by greenery and filled with natural light - it offers a peaceful retreat. A stylish 4-piece bathroom completes this level. Downstairs, added living space awaits in the spacious family room complete with above-grade windows, hardwood flooring, wood accents and built-in shelving. A fourth bedroom and 3-piece bathroom and laundry provide added flexibility for family, guests or a home office.Outside, enjoy seamless summer living with a spacious covered patio overlooking the beautifully landscaped yard. Mature trees create a peaceful backdrop, while the resort-style inground pool and expansive concrete deck offer plenty of room for lounging, entertaining and enjoying warm summer days. A detached garage provides additional storage space.With its classic character, spacious layout and incredible outdoor setting, 20 Arthur Street offers a comfortable place to call home with plenty of room for a growing family.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$639,920
Land Transfer Taxes$12,473
Legal Fees (Est.)
$
Total cash required for closing$173,953

Total Monthly Obligation

$4,048/mo
Mortgage $3,227
Monthly Loss $3,199
Principal$849
Interest$2,378
Property Tax$446
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.9%18
Cash-on-Cash
-9.0%1
5-Year IRR
8.5%26
10-Year IRR
9.5%
Returns Index
14.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$36,780/yr
NOI
$23,250/yr
Net Cash Flow
-$1,289/mo
Cash Margin
-42.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.607
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo38
Risk Index
21.0/ 100

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

Comparables

Properties near 20 ARTHUR Street

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.

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Data last updated within the past 24 hours.