618 VICTORIA Street, Niagara-on-the-Lake

$1,300,000
618 VICTORIA Street

$1,300,000

New
28d
DetachedBungalow

618 VICTORIA Street, Niagara-on-the-Lake

Total Monthly Obligation $6,199

HausQ Valuation Report
Beds
5
Baths
3
Park
4
Sqft
1500-2000
DOM
28d
Score
16
Yield
3.7%
Cash on Cash
-7.5%
Cap Rate
3.0%
5Y IRR
9.7%
10Y IRR
10.0%
Property Type-Detached
MLS® Number-X13830278
Beds-5
Bathrooms-3
Size-1500-2000 sqft
Lot Size-60 × 120 ft
Listed on site-Sep 25, 2026
Style-Bungalow
Building Type-Detached
Age-31-50
Taxes-$6,963 (2026)
Parking-6 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-RIGHT AT HOME REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Aluminum Siding, Brick Front
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-101 - Town
Title-Residential Freehold

No agent assigned

Welcome to 618 Victoria in beautiful Niagara-on-the-Lake. Enjoy a walkable location close to Old Town's shops, restaurants and boutiques, as well as world-class wineries and the Shaw Festival Theatre. This spacious bungalow offers approximately 3,000 sq. ft. of finished living space, with three bedrooms on the main floor and two additional bedrooms in the finished lower level. Gleaming hardwood floors, a generous living room with gas fireplace, and an open kitchen with eating area overlooking the rear gardens create inviting spaces for everyday living and entertaining. The third main-floor bedroom is ideal as a home office. The finished lower level adds over 1,300 sq. ft. of living space, including a large family room, full bathroom and two additional bedrooms. Step outside to a covered porch and enjoy the rear gardens. A double garage and driveway parking for four more vehicles complete the package. A wonderful opportunity for a couple seeking comfortable one-level living with plenty of room to welcome family and friends.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$1,040,000
Land Transfer Taxes$22,475
Legal Fees (Est.)
$
Total cash required for closing$283,975

Total Monthly Obligation

$6,199/mo
Mortgage $5,244
Monthly Loss $4,819
Principal$1,380
Interest$3,864
Property Tax$580
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-11.0%1
5-Year IRR
6.9%18
10-Year IRR
8.2%
Returns Index
10.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$48,600/yr
NOI
$32,277/yr
Net Cash Flow
-$2,554/mo
Cash Margin
-63.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
1.6 mo24
Risk Index
15.8/ 100

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

Comparables

Properties near 618 VICTORIA Street

Time

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