9 GHENT Street, St. Catharines

$649,900
9 GHENT Street

$649,900

New
8d
DetachedBungalow

9 GHENT Street, St. Catharines

Total Monthly Obligation $3,407

Beds
4
Baths
2
Park
2
Sqft
700-1100
DOM
8d
Score
18
Yield
4.6%
Cash on Cash
-5.3%
Cap Rate
3.5%
5Y IRR
11.4%
10Y IRR
11.3%
Property Type-Detached
MLS® Number-X14081886
Beds-4
Bathrooms-2
Size-700-1100 sqft
Lot Size-65.53 × 118.15 ft
Listed on site-Oct 15, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,928 (2025)
Parking-4 - Attached
Basement-Partially Finished, Full
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-442 - Vine/Linwell
Title-Residential Freehold

No agent assigned

Welcome to 9 Ghent Street, ideally located in St. Catharines' sought-after north end, close to shopping, schools, parks, restaurants, everyday amenities and with quick highway access. This beautifully updated home blends warmth, character and functionality, featuring a four-car concrete driveway, inviting front porch with powder-coated aluminum railing, striking red pine bump-out, insulated double garage with lighting and automatic door, and a spacious breezeway with access to the garage, home and fenced yard with private side garden. Inside, the renovated main level showcases beautiful attention to detail including custom Tudor-style trim, rich walnut accents, pot lighting and a custom walnut display cabinet. The kitchen offers custom cabinetry with wood inserts, soft-close doors, crown moulding, undermount double farmhouse sink, black soapstone countertops, porcelain subway tile, under-cabinet lighting and stainless steel appliances. Three generous bedrooms feature California shutters, great closet space and newer windows. The updated 4-piece bath includes a custom walnut vanity, shelving and mirror, glass shower enclosure, porcelain flooring and ceramic tiled walls. Walnut railings and oak stairs lead to the fully finished lower-level in-law suite with separate laundry and storage, 2026 vinyl flooring with DRICORE subfloor system, full kitchen with stainless steel appliances and a 2-inch live-edge maple countertop. The living room comes equipped with a Napoleon electric fireplace, spacious bedroom and beautifully finished bath. Major updates include roof and windows (2020), redone electrical, clay pipe under basement floor replaced with PVC, basement fully insulated with Roxul Safe'n'Sound (2024), owned hot water tank, furnace, AC and basement waterproofing with Delta wrap for added peace of mind. A truly move-in-ready home offering quality finishes, thoughtful updates and exceptional flexibility for families or multi-generational living!

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$519,920
Land Transfer Taxes$9,473
Legal Fees (Est.)
$
Total cash required for closing$140,953

Total Monthly Obligation

$3,407/mo
Mortgage $2,622
Monthly Loss $2,717
Principal$690
Interest$1,932
Property Tax$411
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-10.1%1
5-Year IRR
7.7%22
10-Year IRR
8.9%
Returns Index
12.1/ 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
$29,772/yr
NOI
$17,367/yr
Net Cash Flow
-$1,174/mo
Cash Margin
-47.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.556
LTV Ratio
80.0%18
Vacancy Buffer
2.8 mo47
Risk Index
23.6/ 100

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

Comparables

Properties near 9 GHENT Street

Time

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