39 Manchester Avenue, St. Catharines

$239,000
39 Manchester Avenue

$239,000

New
9d
Detached1 1/2 Storey

39 Manchester Avenue, St. Catharines

Total Monthly Obligation $1,497

HausQ Valuation Report
Beds
3
Baths
1
Park
1
Sqft
700-1100
DOM
9d
Score
50
Yield
9.8%
Cash on Cash
16.4%
Cap Rate
8.1%
5Y IRR
28.9%
10Y IRR
26.0%
Property Type-Detached
MLS® Number-X14031016
Beds-3
Bathrooms-1
Size-700-1100 sqft
Lot Size-26.58 × 73.94 ft
Listed on site-Oct 14, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-51-99
Taxes-$1,890 (2025)
Parking-1 - None
Basement-Crawl Space
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Unknown
Sewer-Sewer
Possession-Flexible
Neighbourhood-452 - Haig
Title-Residential Freehold

No agent assigned

Why rent when you can own a place to truly call your own? Perfect for first-time buyers, downsizers, or retirees, this charming home is an incredible opportunity to step into homeownership at an affordable price. With a little TLC, this property has the potential to become an absolute cozy gem. The main floor offers a comfortable family room, functional kitchen, primary bedroom, and full bathroom, while the loft-style upper level provides two additional versatile spaces ideal for guests, hobbies, storage, or a home office. Outside, enjoy a beautiful backyard perfect for relaxing. The digitally enhanced photos offer just a glimpse of the warmth, charm, and possibilities this home holds - a smart purchase with lots of potential!

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

Closing Costs

Mortgage Amount
$191,200
Land Transfer Taxes$2,115
Legal Fees (Est.)
$
Total cash required for closing$51,415

Total Monthly Obligation

$1,497/mo
Mortgage $964
Monthly Loss $1,243
Principal$254
Interest$710
Property Tax$158
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
6.2%52
Cash-on-Cash
6.1%28
5-Year IRR
20.9%93
10-Year IRR
19.6%
Returns Index
58.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeC
50/ 100
Poor•Caution

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$23,460/yr
NOI
$14,724/yr
Net Cash Flow
$263/mo
Cash Margin
13.4%42
Cash Flow Index
42.3/ 100
Risk Profile
Weight: 20%
DSCR
1.2752
LTV Ratio
80.0%18
Vacancy Buffer
6.3 mo93
Risk Index
54.6/ 100

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

Comparables

Properties near 39 Manchester Avenue

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.

Data is provided courtesy of PropTx.

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Data last updated within the past 24 hours.