454 CARLTON Street 7, St. Catharines

$279,900
454 CARLTON Street 7

$279,900

New
22d
Condo ApartmentOther

454 CARLTON Street 7, St. Catharines

Total Monthly Obligation $2,054

HausQ Valuation Report
Beds
2
Baths
1
Park
1
Sqft
800-899
DOM
22d
Score
29
Yield
9.6%
Cash on Cash
6.5%
Cap Rate
6.0%
5Y IRR
20.8%
10Y IRR
18.9%
Property Type-Condo Apartment
MLS® Number-X13851954
Beds-2
Bathrooms-1
Size-800-899 sqft
Listed on site-Oct 1, 2026
Style-Other
Building Type-Condo Apartment
Age-51-99
Taxes-$1,881 (2025)
Maintenance-$568/mo
Locker-Common
Parking-1 - None
Basement-None
Heating-Radiant (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Exterior-Brick
Roof-Tar and Gravel, Flat
Possession-Immediate
Neighbourhood-445 - Facer
Title-Residential Condo & Other

No agent assigned

Amazing location and a low condo fee including heat, hydro and water. With same floor laundry and a parking space directly outside your unit, discover the perfect blend of comfort and convenience in this updated 2-bedroom condo. Plenty of natural light fills the open-concept living, dining, and kitchen area highlighted by modern flooring. The kitchen has a large peninsula and ample cabinetry, while the fully renovated and modern bathroom features a sophisticated tile surround. Positioned for privacy with no neighbours on one side. Located in a vibrant neighbourhood directly across from Pearson Park, walking trails, library, indoor pool, and outdoor splash pad. Amazing value in the North End of St. Catharines minutes from the Lake with easy QEW access. Waterproofed prior to the floods of 2026 this unit experienced no flooding due to the July/August storms.

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

Closing Costs

Mortgage Amount
$223,920
Land Transfer Taxes$2,674
Legal Fees (Est.)
$
Total cash required for closing$60,154

Total Monthly Obligation

$2,054/mo
Mortgage $1,129
Monthly Loss $1,757
Principal$297
Interest$832
Property Tax$157
Condo Fees$568
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
4.7%34
Cash-on-Cash
-0.8%6
5-Year IRR
15.4%74
10-Year IRR
15.2%
Returns Index
38.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
29/ 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
$26,820/yr
NOI
$13,041/yr
Net Cash Flow
-$42/mo
Cash Margin
-1.9%3
Cash Flow Index
3.3/ 100
Risk Profile
Weight: 20%
DSCR
0.9624
LTV Ratio
80.0%18
Vacancy Buffer
4.6 mo78
Risk Index
40.3/ 100

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

Comparables

Properties near 454 CARLTON Street 7

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.