14 Bianca Drive, Niagara-on-the-Lake

$799,000
14 Bianca Drive

$799,000

New
15d
DetachedBungalow-Raised

14 Bianca Drive, Niagara-on-the-Lake

Total Monthly Obligation $4,148

Beds
4
Baths
2
Park
2
Sqft
1100-1500
DOM
15d
Score
18
Yield
5.0%
Cash on Cash
-3.3%
Cap Rate
3.9%
5Y IRR
12.9%
10Y IRR
12.5%
Property Type-Detached
MLS® Number-X13877526
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-51.18 × 121.16 ft
Listed on site-Oct 8, 2026
Style-Bungalow-Raised
Building Type-Detached
Age-16-30
Taxes-$6,605.32 (2026)
Parking-3 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-HOMELIFE/RESPONSE REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-FLEXIBLE
Neighbourhood-108 - Virgil
Title-Residential Freehold

No agent assigned

Beautifully maintained raised bungalow located in Niagara-on-the-Lake's sought-after Village of Virgil, featuring a large concrete driveway surrounded by perennial gardens. A welcoming front porch enjoys morning sun and shaded evenings. Inside, a functional layout with an attractive colour palette features a bright front living area with vaulted ceilings shared with the kitchen. The kitchen offers ample cabinetry, a large island with extra storage, two full-size fridges, wine fridge, dishwasher, gas stove, and new appliances-perfect for everyday living and entertaining. The primary bedroom includes a walk-in closet and ensuite privilege to a 4-piece bath, with a second bedroom on the main level. The finished basement adds a third bedroom, 3-piece bath, home office, family room with corner gas fireplace, laundry, and storage. Large windows throughout provide plenty of natural light. Enjoy the covered back deck with gas BBQ line, leading to a private terrace. The fully enclosed backyard features new entrance gates, vegetable garden, large side yard, and under-deck storage. Updates include new jacuzzi, new laminate flooring, new electrical oven, newer appliances, and shingles replaced in July 2020. No rental items. Walk to a nearby sports park with trails, exercise stations, pickleball courts, soccer and baseball fields, playgrounds, arenas, and splash pad. Located in a friendly neighbourhood, 14 Bianca is a fantastic place to call home. 360 virtual tour available. According to the Seller, this home was not affected by the recent flooding in the Niagara Region, with no water entering the home or basement.

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$
(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$639,200
Land Transfer Taxes$12,455
Legal Fees (Est.)
$
Total cash required for closing$173,755

Total Monthly Obligation

$4,148/mo
Mortgage $3,223
Monthly Loss $3,300
Principal$848
Interest$2,375
Property Tax$550
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-7.9%1
5-Year IRR
9.4%31
10-Year IRR
10.1%
Returns Index
16.9/ 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
$40,200/yr
NOI
$25,075/yr
Net Cash Flow
-$1,133/mo
Cash Margin
-33.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.658
LTV Ratio
80.0%18
Vacancy Buffer
2.3 mo37
Risk Index
21.1/ 100

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

Comparables

Properties near 14 Bianca Drive

Time

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