214 NIAGARA Street, St. Catharines

$450,000
214 NIAGARA Street

$450,000

New
25d
DetachedBungalow-Raised

214 NIAGARA Street, St. Catharines

Total Monthly Obligation $2,437

Beds
4
Baths
2
Park
2
Sqft
700-1100
DOM
25d
Score
27
Yield
6.9%
Cash on Cash
5.3%
Cap Rate
5.7%
5Y IRR
19.8%
10Y IRR
18.1%
Property Type-Detached
MLS® Number-X13837724
Beds-4
Bathrooms-2
Size-700-1100 sqft
Lot Size-35 × 86.47 ft
Listed on site-Sep 28, 2026
Style-Bungalow-Raised
Building Type-Detached
Age-100+
Taxes-$2,967 (2026)
Parking-2 - None
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-IMMED w/ Tenant
Neighbourhood-445 - Facer
Title-Residential Freehold

No agent assigned

The perfect multi-generational bungalow awaits! Your new home features 2+2 bedrooms, 2 full bathrooms, and 2 kitchens with perfectly functional layouts across both levels. The main floor includes an updated kitchen, 4 piece bathroom, bright living area, two bedrooms, and in-suite laundry. The fully finished lower level offers a separate rear entrance, second kitchen, spacious living area, two bedrooms, a 3-piece bathroom, and its own laundry facilities. The layout may be suitable for in-law or extended family use, with added flexibility for buyers seeking additional living space. Private single driveway and convenient location close to schools, shopping, Pearson park, Kiwanis Aquatics Centre and Library and all amenities! Don't miss this one!

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$360,000
Land Transfer Taxes$5,475
Legal Fees (Est.)
$
Total cash required for closing$96,975

Total Monthly Obligation

$2,437/mo
Mortgage $1,815
Monthly Loss $1,960
Principal$478
Interest$1,338
Property Tax$247
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.6%33
Cash-on-Cash
-1.3%6
5-Year IRR
14.7%69
10-Year IRR
14.4%
Returns Index
36.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
27/ 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
$31,140/yr
NOI
$20,559/yr
Net Cash Flow
-$102/mo
Cash Margin
-3.9%2
Cash Flow Index
2.2/ 100
Risk Profile
Weight: 20%
DSCR
0.9423
LTV Ratio
80.0%18
Vacancy Buffer
3.9 mo67
Risk Index
36.0/ 100

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

Comparables

Properties near 214 NIAGARA 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.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.