118 Lowell Avenue, St. Catharines

$495,000
118 Lowell Avenue

$495,000

New
15d
Detached2-Storey

118 Lowell Avenue, St. Catharines

Total Monthly Obligation $2,606

HausQ Valuation Report
Beds
3
Baths
2
Park
2
Sqft
1100-1500
DOM
15d
Score
26
Yield
6.6%
Cash on Cash
4.4%
Cap Rate
5.5%
5Y IRR
19.1%
10Y IRR
17.5%
Property Type-Detached
MLS® Number-X13875700
Beds-3
Bathrooms-2
Size-1100-1500 sqft
Lot Size-33 × 75 ft
Listed on site-Oct 8, 2026
Style-2-Storey
Building Type-Detached
Taxes-$2,808 (2026)
Parking-2 - None
Basement-Full, Partially Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX GARDEN CITY REALTY INC, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Stone, Stucco (Plaster)
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-ASAP Preferred
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

Detached single-family two storey home with 3 bedrooms and 1.5 bathrooms (1 full / 1 two-piece) located in the friendly and welcoming Haig Street community of St.Catharines just North of the downtown business and entertainment district and nearby all necessities. On the main floor you will find a nice sized living room and dining room area, an eat-in kitchen, as well as a two-piece washroom. On the second floor there are three healthy sized bedrooms along with the full 4-piece bathroom as well as attic hatch access to a 3rd floor storage loft space. The basement is unfinished but good for storage and workshop space as well as hosts the washer, dryer, and laundry tub. Outside you'll find a fully fenced backyard with deck, gardens, and tool shed as well as a two car driveway and relaxing front porch with overhang. Located in the Harriet Tubman Public School, St.Catharines Collegiate Secondary School, St. Denis Catholic Elementary School, and Saint Francis Catholic Secondary School zones and within walking distance to parks, trails, a splash-pad, an off-leash dog park, and a variety of great local shops and restaurants.

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$396,000
Land Transfer Taxes$6,375
Legal Fees (Est.)
$
Total cash required for closing$106,875

Total Monthly Obligation

$2,606/mo
Mortgage $1,997
Monthly Loss $2,080
Principal$525
Interest$1,471
Property Tax$234
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.5%32
Cash-on-Cash
-1.7%5
5-Year IRR
14.3%67
10-Year IRR
14.0%
Returns Index
35.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
26/ 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
$32,700/yr
NOI
$22,122/yr
Net Cash Flow
-$153/mo
Cash Margin
-5.6%2
Cash Flow Index
1.6/ 100
Risk Profile
Weight: 20%
DSCR
0.9221
LTV Ratio
80.0%18
Vacancy Buffer
3.6 mo63
Risk Index
34.1/ 100

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

Comparables

Properties near 118 Lowell Avenue

Time

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