243 Geneva Street, St. Catharines

$489,900
243 Geneva Street

$489,900

Price Change
23d
Detached2-Storey

243 Geneva Street, St. Catharines

Total Monthly Obligation $2,604

HausQ Valuation Report
Beds
4
Baths
2
Park
3
Sqft
700-1100
DOM
23d
Score
22
Yield
5.7%
Cash on Cash
0.2%
Cap Rate
4.6%
5Y IRR
15.7%
10Y IRR
14.7%
Property Type-Detached
MLS® Number-X13846972
Beds-4
Bathrooms-2
Size-700-1100 sqft
Lot Size-35 × 129 ft
Listed on site-Sep 30, 2026
Style-2-Storey
Building Type-Detached
Taxes-$3,039 (2026)
Parking-2 - None
Basement-Finished
Heating-Forced Air (Wood)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-FLEXIBLE
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

Beautifully updated throughout, this inviting home is move-in ready with modern finishes and thoughtful upgrades from top to bottom. The main level features a bright, open-concept layout with a contemporary kitchen, dining area and comfortable living room with a cozy fireplace. A convenient mudroom provides additional storage and everyday functionality. Step outside to the fully fenced backyard with a newer deck (2024), perfect for entertaining, relaxing or enjoying the outdoors. Upstairs, you'll find three well-sized bedrooms and a beautifully renovated 4-piece bathroom complete with a soaker tub. The fully finished lower level offers even more versatility with an additional bedroom, 3-piece bathroom, recreation room, laundry area and a separate den ideal for a home office, playroom or flex room. Parking for three vehicles in the driveway adds extra convenience. Ideally located just minutes from Fairview Mall, schools, parks, public transit and everyday amenities. A stylish and modern home offering beautiful finishes, thoughtful updates and comfortable living in a convenient location. CHECK OUT VIDEO TOUR!

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$391,920
Land Transfer Taxes$6,273
Legal Fees (Est.)
$
Total cash required for closing$105,753

Total Monthly Obligation

$2,604/mo
Mortgage $1,976
Monthly Loss $2,084
Principal$520
Interest$1,456
Property Tax$253
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.7%2
5-Year IRR
11.1%44
10-Year IRR
11.5%
Returns Index
22.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$28,008/yr
NOI
$17,668/yr
Net Cash Flow
-$504/mo
Cash Margin
-21.6%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7512
LTV Ratio
80.0%18
Vacancy Buffer
3.7 mo63
Risk Index
31.0/ 100

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

Comparables

Properties near 243 Geneva Street

Time

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Data last updated within the past 24 hours.