25 Elm Ridge Drive, St. Catharines

$579,000
25 Elm Ridge Drive

$579,000

New
29d
DetachedBungalow

25 Elm Ridge Drive, St. Catharines

Total Monthly Obligation $3,136

Beds
3
Baths
2
Park
2
Sqft
700-1100
DOM
29d
Score
18
Yield
4.9%
Cash on Cash
-4.5%
Cap Rate
3.6%
5Y IRR
12.0%
10Y IRR
11.8%
Property Type-Detached
MLS® Number-X13827950
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-70 × 137.67 ft
Listed on site-Sep 24, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$5,102.86 (2026)
Parking-3 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-BOLDT REALTY INC., BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-Living Room, Wood
Pool-None
Facing-West
Exterior-Brick Front, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-Immediate
Neighbourhood-461 - Glendale/Glenridge
Title-Residential Freehold

No agent assigned

Welcome to 25 Elm Ridge Drive, a well-maintained brick-and-sided home tucked away on a quiet cul-de-sac in a highly desirable St. Catharines neighbourhood. Ideally located close to shopping, restaurants, entertainment, major highways, and excellent schools, this home offers a wonderful combination of comfort, convenience, and future potential.This carpet-free home features 3 comfortable bedrooms and 2 full bathrooms, with beautifully refinished original hardwood flooring adding warmth and character throughout the main level. California shutters adorn most main-floor windows, while newer vinyl windows and a newer roof provide added peace of mind.The bright and inviting living room features a wood-burning fireplace, creating the potential for a cozy focal point during the colder months with proper inspection and maintenance. The home also offers an abundance of storage throughout.The finished basement, with its separate entrance, offers excellent potential for an in-law suite, extended family living, or an income-generating rental unit where new flooring was installed in September 2026. Upgraded panel box was installed in August 2026. The attached single-car garage features an automatic overhead door opener, a convenient side entrance providing access to the kitchen or lower level, and additional access to the backyard. The driveway comfortably accommodates two additional vehicles.Step outside to the beautifully maintained backyard, featuring gently rolling lawns and plenty of space to create your own private outdoor oasis-including room for a pool.Families will appreciate the exceptional location, within walking distance of Sir Winston Churchill Secondary School, Denis Morris Catholic High School, and Oakridge Public School, with Brock University just a short drive away.Set in an exceptionally quiet neighbourhood, this move-in-ready home offers flexibility for families, multi-generational living, or investors looking for future potential.Viewing is available anytime.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$463,200
Land Transfer Taxes$8,055
Legal Fees (Est.)
$
Total cash required for closing$125,355

Total Monthly Obligation

$3,136/mo
Mortgage $2,336
Monthly Loss $2,521
Principal$615
Interest$1,721
Property Tax$425
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.8%17
Cash-on-Cash
-9.7%1
5-Year IRR
8.1%24
10-Year IRR
9.2%
Returns Index
13.0/ 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
$28,428/yr
NOI
$15,982/yr
Net Cash Flow
-$1,004/mo
Cash Margin
-42.4%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.576
LTV Ratio
80.0%18
Vacancy Buffer
3.1 mo51
Risk Index
25.3/ 100

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

Comparables

Properties near 25 Elm Ridge Drive

Time

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Data last updated within the past 24 hours.