495 Linwell Road 1, St. Catharines

$499,900
495 Linwell Road 1

$499,900

New
8d
Condo Townhouse2-Storey

495 Linwell Road 1, St. Catharines

Total Monthly Obligation $3,192

Beds
3
Baths
3
Park
1
Sqft
1200-1399
DOM
8d
Score
17
Yield
5.6%
Cash on Cash
-7.7%
Cap Rate
2.9%
5Y IRR
9.5%
10Y IRR
9.9%
Property Type-Condo Townhouse
MLS® Number-X14079854
Beds-3
Bathrooms-3
Size-1200-1399 sqft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Condo Townhouse
Taxes-$4,525.95 (2025)
Maintenance-$598/mo
Locker-None
Parking-2 - Built-In
Basement-Partially Finished
Heating-Forced Air (Gas)
Brokerage-EXP REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Possession-Flexible
Neighbourhood-441 - Bunting/Linwell
Title-Residential Condo & Other

No agent assigned

A little more space, a little less maintenance, and a location you'll love. Tucked into an intimate 6-unit complex in St. Catharines' desirable North End, this 3-bedroom, 3-bathroom end-unit condo townhome offers the comfort and functionality of a traditional home with the convenience of condo living. Inside, you'll find generous living spaces and a functional layout, including a primary bedroom complete with its own private ensuite. The lower level has undergone extensive improvements, featuring brand-new flooring, drywall, electrical updates, and a new washer and dryer, along with the installation of a backwater valve. The beautifully refreshed basement offers flexible additional living space, whether you envision a cozy rec room, home office, gym, or playroom. Major mechanical updates add even more value, including a new furnace (2026), A/C (2022), and dishwasher (2021). Out back, a patio and partially fenced grassy yard create a lovely extension of your living space, perfect for morning coffee, entertaining friends, or simply enjoying a little fresh air. Set within a quiet, established neighbourhood, you're close to parks, schools, shopping, restaurants, walking trails, Sunset Beach, and all the everyday conveniences that make North End living so appealing. With just six units in the complex, this home offers the appeal of a smaller condo community without compromising on space or functionality. Whether you're entering the market, looking for room to grow, or ready to simplify your lifestyle, this is a home that offers plenty of possibilities. The maintenance fee includes: Lawn Care, Snow, Exterior (Windows, Roof, Siding, Garden Beds, etc).

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

Closing Costs

Mortgage Amount
$399,920
Land Transfer Taxes$6,473
Legal Fees (Est.)
$
Total cash required for closing$107,953

Total Monthly Obligation

$3,192/mo
Mortgage $2,016
Monthly Loss $2,661
Principal$531
Interest$1,486
Property Tax$377
Condo Fees$598
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
2.2%13
Cash-on-Cash
-12.4%0
5-Year IRR
6.2%15
10-Year IRR
7.9%
Returns Index
8.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$27,804/yr
NOI
$10,922/yr
Net Cash Flow
-$1,106/mo
Cash Margin
-47.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.454
LTV Ratio
80.0%18
Vacancy Buffer
3.0 mo50
Risk Index
24.2/ 100

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

Comparables

Properties near 495 Linwell Road 1

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.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.