529 Carlton Street, St. Catharines

$579,900
529 Carlton Street

$579,900

New
22d
DetachedBacksplit 4

529 Carlton Street, St. Catharines

Total Monthly Obligation $3,082

HausQ Valuation Report
Beds
2
Baths
2
Park
3
Sqft
1100-1500
DOM
22d
Score
18
Yield
4.7%
Cash on Cash
-4.6%
Cap Rate
3.6%
5Y IRR
11.9%
10Y IRR
11.7%
Property Type-Detached
MLS® Number-X13852304
Beds-2
Bathrooms-2
Size-1100-1500 sqft
Lot Size-75 × 163.37 ft
Listed on site-Oct 1, 2026
Style-Backsplit 4
Building Type-Detached
Taxes-$4,416 (2025)
Parking-4 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX GARDEN CITY REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Wood
Pool-None
Facing-North
Exterior-Cedar, Brick
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-30-59 days
Neighbourhood-444 - Carlton/Bunting
Title-Residential Freehold

No agent assigned

Discover your next home in North End St. Catharines. This amazing 2 + 2 bedroom, 2 bath backsplit has everything you have been looking for. Huge Living Room with Fireplace with Patio Doors leading to one of two patios. Bright kitchen and Dining room with skylight, upper level has large primary bedroom, second bedroom and four piece bath. Third level contains two more bedrooms with large windows, a den and three piece bath with potential to be made into In-law suite or secondary apartment. The lower level has an oversize rec room, laundry and storage. Outside the yard is a gardeners dream with a coy pond and many cozy secluded spots to enjoy the many trees and perennials. Storage shed is located at the back of the property and garage/workshop gives a handy person the perfect place to work. This home offers over 2400 sq ft of finished living space to enjoy and the best news is this home has never had a flood and a few years ago had a back check valve installed. It's Time to Make This Your Niagara Home.

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

Closing Costs

Mortgage Amount
$463,920
Land Transfer Taxes$8,073
Legal Fees (Est.)
$
Total cash required for closing$125,553

Total Monthly Obligation

$3,082/mo
Mortgage $2,339
Monthly Loss $2,467
Principal$616
Interest$1,724
Property Tax$368
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-9.8%1
5-Year IRR
8.0%23
10-Year IRR
9.1%
Returns Index
12.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$27,540/yr
NOI
$15,870/yr
Net Cash Flow
-$1,017/mo
Cash Margin
-44.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.576
LTV Ratio
80.0%18
Vacancy Buffer
3.1 mo53
Risk Index
25.6/ 100

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

Comparables

Properties near 529 Carlton 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.