95 Chetwood Street, St. Catharines

$474,900
95 Chetwood Street

$474,900

New
17d
Detached1 1/2 Storey

95 Chetwood Street, St. Catharines

Total Monthly Obligation $2,602

Beds
5
Baths
3
Park
4
Sqft
1100-1500
DOM
17d
Score
31
Yield
7.6%
Cash on Cash
7.7%
Cap Rate
6.2%
5Y IRR
21.7%
10Y IRR
19.7%
Property Type-Detached
MLS® Number-X13868584
Beds-5
Bathrooms-3
Size-1100-1500 sqft
Lot Size-39 × 106.5 ft
Listed on site-Oct 6, 2026
Style-1 1/2 Storey
Building Type-Detached
Taxes-$3,739.64 (2025)
Parking-5 - Detached
Basement-Finished, Full, Walk-Up
Heating-Forced Air (Gas)
Brokerage-RE/MAX ESCARPMENT REALTY INC., BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Aluminum Siding, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Immediate
Neighbourhood-458 - Western Hill
Title-Residential Freehold

No agent assigned

Welcome to 95 Chetwood Street in St. Catharines' Western Hill, a detached 1.5 storey home that has been totally renovated from top to bottom, including updated electrical, windows, roofing, and waterproofing. The carpet-free main level offers a bright living room, a spacious kitchen, three bedrooms, and a 4-piece bath. Upstairs is the showstopper: a private loft stretching nearly 35 feet, with its own separate entrance and a 2-piece bath. It makes an ideal work-from-home office/business, studio, or flexible living space set apart from the rest of the home. The finished basement adds even more room, with a large family room, a fifth bedroom, and a 4-piece bath with laundry. Outside, enjoy the front porch, a massive backyard, a detached garage, and a private drive with parking for five vehicles in total. The location puts you minutes from downtown St. Catharines, the St. Catharines GO station, Highway 406, Twelve Mile Creek trails, parks, schools, shopping, and the hospital.

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

Closing Costs

Mortgage Amount
$379,920
Land Transfer Taxes$5,973
Legal Fees (Est.)
$
Total cash required for closing$102,453

Total Monthly Obligation

$2,602/mo
Mortgage $1,916
Monthly Loss $2,098
Principal$504
Interest$1,412
Property Tax$312
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
5.1%39
Cash-on-Cash
1.1%10
5-Year IRR
16.6%80
10-Year IRR
15.9%
Returns Index
43.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
31/ 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
$35,916/yr
NOI
$24,085/yr
Net Cash Flow
$91/mo
Cash Margin
3.1%8
Cash Flow Index
8.4/ 100
Risk Profile
Weight: 20%
DSCR
1.0531
LTV Ratio
80.0%18
Vacancy Buffer
3.6 mo62
Risk Index
37.2/ 100

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

Comparables

Properties near 95 Chetwood Street

Time

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