476 SCOTT Street, St. Catharines

$529,900
476 SCOTT Street

$529,900

New
23d
DetachedBungalow

476 SCOTT Street, St. Catharines

Total Monthly Obligation $2,886

Beds
4
Baths
2
Park
4
Sqft
1100-1500
DOM
23d
Score
25
Yield
6.6%
Cash on Cash
3.3%
Cap Rate
5.3%
5Y IRR
18.2%
10Y IRR
16.8%
Property Type-Detached
MLS® Number-X13843854
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-59 × 139.4 ft
Listed on site-Sep 30, 2026
Style-Bungalow
Building Type-Detached
Age-31-50
Taxes-$4,476.51 (2026)
Parking-6 - 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-South
Exterior-Vinyl Siding, Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-444 - Carlton/Bunting
Title-Residential Freehold

No agent assigned

Welcome to 476 Scott Street, St. Catharines - a solid bungalow offering the perfect combination of comfort, convenience, and opportunity in one of the city's most desirable north-end neighbourhoods. With 3+1 bedrooms, 2 full bathrooms, an attached single-car garage, and a double-wide driveway, this well-maintained home is ideal for first-time buyers, downsizers, or investors alike. Step inside to discover a bright and inviting main floor featuring an expansive living room filled with natural light and an adjoining dining area that's perfect for everyday living and entertaining. The functional kitchen offers ample cabinetry and workspace. Three generously sized bedrooms and a full 4-piece bathroom complete the main level, providing comfortable accommodations for the whole family. The finished lower level expands your living space with a large recreation room featuring an additional bedroom, a second full bathroom, and plenty of room for a home office, gym, games area, or guest suite. With its separate side entrance, the lower level also offers excellent in-law or income potential. Outside, you'll appreciate the fully fenced backyard with plenty of space for children, pets, gardening, or summer entertaining. The attached garage and double-wide driveway provide parking for multiple vehicles and added everyday convenience. In-ground sprinkler system, air conditioner 2011, roof reshingled in 2019. Located in the highly sought-after north end of St. Catharines, you'll enjoy easy access to excellent schools, shopping, restaurants, parks, walking trails, public transit, and the QEW, making commuting throughout Niagara simple and convenient. Don't miss your chance to call this wonderful north-end property home!

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

Closing Costs

Mortgage Amount
$423,920
Land Transfer Taxes$7,073
Legal Fees (Est.)
$
Total cash required for closing$114,553

Total Monthly Obligation

$2,886/mo
Mortgage $2,137
Monthly Loss $2,323
Principal$562
Interest$1,575
Property Tax$373
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.3%30
Cash-on-Cash
-2.7%4
5-Year IRR
13.6%62
10-Year IRR
13.5%
Returns Index
32.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
25/ 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
$35,100/yr
NOI
$22,613/yr
Net Cash Flow
-$253/mo
Cash Margin
-8.7%1
Cash Flow Index
0.9/ 100
Risk Profile
Weight: 20%
DSCR
0.8819
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo56
Risk Index
30.9/ 100

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

Comparables

Properties near 476 SCOTT 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.

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Data last updated within the past 24 hours.