20 Jessica Drive, St. Catharines

$770,000
20 Jessica Drive

$770,000

New
25d
DetachedSidesplit

20 Jessica Drive, St. Catharines

Total Monthly Obligation $4,001

Beds
3
Baths
2
Park
6
Sqft
1500-2000
DOM
25d
Score
18
Yield
4.8%
Cash on Cash
-4.5%
Cap Rate
3.6%
5Y IRR
12.0%
10Y IRR
11.8%
Property Type-Detached
MLS® Number-X13837036
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-60 × 100 ft
Listed on site-Sep 28, 2026
Style-Sidesplit
Building Type-Detached
Age-51-99
Taxes-$6,245.01 (2026)
Parking-8 - Attached
Basement-Partially Finished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-East
Exterior-Brick, Other
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-442 - Vine/Linwell
Title-Residential Freehold

No agent assigned

Welcome to this well-built and well-maintained home in the desirable North End of St. Catharines. Offering generous living space, a flexible layout, an oversized two-car garage, and a spacious driveway, this inviting property is well suited to comfortable family living. The bright, open-concept main level is filled with natural light from a large bay window and offers an easy flow between the living room, dining area, and kitchen. The kitchen features stainless steel appliances, a breakfast bar, and direct access to the patio and backyard, perfect for outdoor dining, gardening, or simply relaxing. Two versatile rooms on the main level provide valuable additional space and can be adapted as home offices, a sitting room, playroom, or guest rooms. A spacious laundry room with cabinetry, a sink, and direct backyard access adds everyday convenience. Upstairs, you'll find three comfortable bedrooms and a full bathroom with a tub-and-shower combination. The basement extends the living space with a large recreation room, a cold cellar, and additional storage. Conveniently located close to Sunset Beach, the Welland Canal, parks, schools, shopping, and public transit, this welcoming home offers the space and flexibility to meet a variety of needs.

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$616,000
Land Transfer Taxes$11,875
Legal Fees (Est.)
$
Total cash required for closing$167,375

Total Monthly Obligation

$4,001/mo
Mortgage $3,106
Monthly Loss $3,184
Principal$817
Interest$2,289
Property Tax$520
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.9%18
Cash-on-Cash
-9.0%1
5-Year IRR
8.6%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
$36,768/yr
NOI
$22,346/yr
Net Cash Flow
-$1,244/mo
Cash Margin
-40.6%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
21.2/ 100

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

Comparables

Properties near 20 Jessica Drive

Time

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Data last updated within the past 24 hours.