97 Glendale Avenue, St. Catharines

$774,900
97 Glendale Avenue

$774,900

Price Change
28d
DetachedBungalow

97 Glendale Avenue, St. Catharines

Total Monthly Obligation $3,917

Beds
6
Baths
2
Park
4
Sqft
1100-1500
DOM
28d
Score
17
Yield
4.4%
Cash on Cash
-5.3%
Cap Rate
3.4%
5Y IRR
11.4%
10Y IRR
11.3%
Property Type-Detached
MLS® Number-X13832052
Beds-6
Bathrooms-2
Size-1100-1500 sqft
Lot Size-85 × 120 ft
Listed on site-Sep 25, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,998 (2026)
Parking-5 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-461 - Glendale/Glenridge
Title-Residential Freehold

No agent assigned

This property comes with $30,000 a year in income, and you get to choose your own tenants! This solid brick bungalow offers a fully finished in-law suite and an excellent opportunity for buyers looking for additional income or multi-generational living. The bright and spacious main floor features a sun-filled living room that flows directly into the dining room overlooking the backyard. The kitchen also enjoys backyard views and comes equipped with stainless steel appliances. Three generously sized bedrooms and a 4-piece bathroom complete the main level. A separate entrance leads directly into the fully finished lower level, featuring a large rec room, fully equipped kitchen and 3-piece bathroom. You'll also find three spacious bedrooms, each featuring oversized egress windows that provide plenty of natural light and create a bright, comfortable space that feels far from a typical basement. Outside, the impressive (81 ft x 120 ft) lot provides plenty of room to enjoy, while mature surrounding trees add an extra layer of backyard privacy. Conveniently located just 5 minutes from Brock University, the Pen Centre and Highway 406, and close to highly ranked elementary schools and everyday amenities, this home combines space, flexibility, income potential and an incredibly convenient location.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$619,920
Land Transfer Taxes$11,973
Legal Fees (Est.)
$
Total cash required for closing$168,453

Total Monthly Obligation

$3,917/mo
Mortgage $3,126
Monthly Loss $3,095
Principal$823
Interest$2,303
Property Tax$417
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-9.7%1
5-Year IRR
8.0%23
10-Year IRR
9.0%
Returns Index
12.7/ 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
$34,188/yr
NOI
$21,271/yr
Net Cash Flow
-$1,353/mo
Cash Margin
-47.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.576
LTV Ratio
80.0%18
Vacancy Buffer
2.5 mo39
Risk Index
21.3/ 100

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

Comparables

Properties near 97 Glendale Avenue

Time

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