7 Gale Crescent B3, St. Catharines

$279,900
7 Gale Crescent B3

$279,900

New
8d
Condo Apartment1 Storey/Apt

7 Gale Crescent B3, St. Catharines

Total Monthly Obligation $2,746

Beds
2
Baths
2
Park
1
Sqft
1000-1199
DOM
8d
Score
22
Yield
11.7%
Cash on Cash
2.0%
Cap Rate
5.0%
5Y IRR
17.2%
10Y IRR
15.9%
Property Type-Condo Apartment
MLS® Number-X14084342
Beds-2
Bathrooms-2
Size-1000-1199 sqft
Listed on site-Oct 15, 2026
Style-1 Storey/Apt
Building Type-Condo Apartment
Age-31-50
Taxes-$3,334.36 (2026)
Maintenance-$1,139.43/mo
Locker-None
Parking-1 - Underground
Basement-None
Heating-Forced Air (Gas)
Brokerage-RE/MAX ESCARPMENT GOLFI REALTY INC.
Cooling-Central Air
Laundry-Yes
Fireplace-No
Pool-None
Exterior-Brick Veneer, Metal/Steel Siding
Possession-Flexible
Neighbourhood-451 - Downtown
Title-Residential Condo & Other

No agent assigned

Welcome to Unit B3 at 7 Gale Crescent, a rare opportunity to own nearly 1,200 sq ft of single-level living in downtown St. Catharines! This spacious 2 bedroom + den, 2 full bath condo lives like a bungalow, with a bright open-concept living and dining area and a walkout to a private, tree-lined ravine setting - your own quiet escape right off the main living space. The versatile den with sliding doors makes a perfect home office, sun room, or reading nook. The primary suite features a walk-in closet and 3-piece ensuite, while the second bedroom offers charming French doors. Enjoy in-suite laundry, included appliances, and 1 owned underground parking space plus ample visitor parking. The well-managed building is loaded with amenities: indoor pool, sauna, exercise room, games and billiards rooms, party room, rooftop deck with panoramic views, car wash, and library. All this just steps from the downtown core, transit, shopping, restaurants, the Performing Arts Centre, and quick access to Highway 406. Whether you're downsizing, investing, or buying your first home, this is low-maintenance condo living at its best.

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(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$223,920
Land Transfer Taxes$2,674
Legal Fees (Est.)
$
Total cash required for closing$60,154

Total Monthly Obligation

$2,746/mo
Mortgage $1,129
Monthly Loss $2,449
Principal$297
Interest$832
Property Tax$278
Condo Fees$1,139
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.9%2
5-Year IRR
11.8%49
10-Year IRR
12.7%
Returns Index
24.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$32,640/yr
NOI
$9,968/yr
Net Cash Flow
-$298/mo
Cash Margin
-11.0%1
Cash Flow Index
0.6/ 100
Risk Profile
Weight: 20%
DSCR
0.7411
LTV Ratio
80.0%18
Vacancy Buffer
3.5 mo59
Risk Index
29.6/ 100

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

Comparables

Properties near 7 Gale Crescent B3

Time

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Data last updated within the past 24 hours.