75 Yates Street, St. Catharines

$999,900
75 Yates Street

$999,900

New
23d
Detached2-Storey

75 Yates Street, St. Catharines

Total Monthly Obligation $5,052

HausQ Valuation Report
Beds
4
Baths
4
Park
3
Sqft
2000-2500
DOM
23d
Score
15
Yield
3.5%
Cash on Cash
-9.6%
Cap Rate
2.5%
5Y IRR
8.0%
10Y IRR
8.7%
Property Type-Detached
MLS® Number-X13844690
Beds-4
Bathrooms-4
Size-2000-2500 sqft
Lot Size-85 × 263.05 ft
Listed on site-Sep 30, 2026
Style-2-Storey
Building Type-Detached
Age-51-99
Taxes-$7,719 (2025)
Parking-3 - None
Basement-Finished with Walk-Out, Apartment
Heating-Other (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-Inground
Facing-West
Exterior-Stone, Stucco (Plaster)
Roof-Asphalt Shingle
Foundation-Block, Poured Concrete, Stone
Sewer-Sewer
Possession-Flexible
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

Rare opportunity to live, work and generate income from one exceptional property! Set on an impressive 85 x 263 ft lot, 75 Yates offers incredible flexibility for entrepreneurs, professionals, multi-generational families and investors. The home features a separate-entry business space complete with salon, office, bathroom and laundry, creating an ideal setup for a home-based business while keeping work and home life separate. A fully self-contained in-law apartment with its own entrance and laundry provides additional living space or income potential. The main home offers beautiful character, spacious living areas, custom kitchen, fireplaces and an expansive backyard oasis with in-ground heated pool and ravine setting. Preliminary drawings have also been completed for a proposed 3-unit townhouse development on the property, offering exciting potential for future development. A truly unique property with possibilities that are rarely found in this location!

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

Closing Costs

Mortgage Amount
$799,920
Land Transfer Taxes$16,473
Legal Fees (Est.)
$
Total cash required for closing$217,953

Total Monthly Obligation

$5,052/mo
Mortgage $4,033
Monthly Loss $3,990
Principal$1,061
Interest$2,972
Property Tax$643
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.0%12
Cash-on-Cash
-13.3%0
5-Year IRR
5.2%11
10-Year IRR
6.9%
Returns Index
7.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
15/ 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
$35,472/yr
NOI
$19,706/yr
Net Cash Flow
-$2,391/mo
Cash Margin
-80.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.413
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo30
Risk Index
17.1/ 100

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

Comparables

Properties near 75 Yates 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.