6 Greenock Circle, St. Catharines

$679,500
6 Greenock Circle

$679,500

New
9d
DetachedBungalow

6 Greenock Circle, St. Catharines

Total Monthly Obligation $3,533

Beds
5
Baths
3
Park
6
Sqft
1500-2000
DOM
9d
Score
19
Yield
5.2%
Cash on Cash
-2.4%
Cap Rate
4.1%
5Y IRR
13.6%
10Y IRR
13.1%
Property Type-Detached
MLS® Number-X14030434
Beds-5
Bathrooms-3
Size-1500-2000 sqft
Lot Size-70 × 141.04 ft
Listed on site-Oct 14, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$5,010.76 (2026)
Parking-6 - None
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-Century 21 Heritage House LTD
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-East
Exterior-Brick, Vinyl Siding
Roof-Shingles
Foundation-Concrete Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-458 - Western Hill
Title-Residential Freehold

No agent assigned

Welcome to this sprawling, updated bungalow situated on a quiet, family-friendly circle. Offering 3+2 bedrooms, 3 full bathrooms, and a fully finished basement, this home combines thoughtful design with exceptional functionality for growing families. The main level opens into a bright living room anchored by rich hardwood floors and a massive picture window that floods the space with natural light. At the heart of the home, the fully renovated chef's kitchen features sleek quartz countertops, modern cabinetry, an oversized sink, and premium stainless steel appliances. Step directly from the kitchen into a year-round, 4-season sunroom equipped with a dedicated mini-split system for climate-controlled heating and cooling. This bright retreat overlooks a large, private backyard complete with a covered concrete patio, relaxing salt water hot tub, and three storage sheds (one is insulated & has hydro). The main floor primary suite boasts a spacious walk-in closet and an updated 3-piece ensuite. Two additional bedrooms, an updated 4-piece bath, and a dedicated main-floor laundry room with ample storage completes the main level. Downstairs, the fully finished basement greatly expands your living space. Featuring a family rec room, 3-piece bathroom, two additional large bedrooms, and abundant extra storage. Updates include: 200 amp panel updated 2022, salt water hot tub 2022, sunroom and front porch 2020, upgraded attic insulation 2025, and many more updates!

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

Closing Costs

Mortgage Amount
$543,600
Land Transfer Taxes$10,065
Legal Fees (Est.)
$
Total cash required for closing$147,465

Total Monthly Obligation

$3,533/mo
Mortgage $2,741
Monthly Loss $2,812
Principal$721
Interest$2,020
Property Tax$418
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%20
Cash-on-Cash
-7.4%1
5-Year IRR
9.8%34
10-Year IRR
10.5%
Returns Index
18.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 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
$35,160/yr
NOI
$22,133/yr
Net Cash Flow
-$896/mo
Cash Margin
-30.6%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.679
LTV Ratio
80.0%18
Vacancy Buffer
2.7 mo44
Risk Index
23.9/ 100

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

Comparables

Properties near 6 Greenock Circle

Time

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