77 Yates Street 505, St. Catharines

$945,000
77 Yates Street 505

$945,000

New
7d
Condo ApartmentApartment

77 Yates Street 505, St. Catharines

Total Monthly Obligation $5,595

Beds
2
Baths
3
Park
1
Sqft
1600-1799
DOM
7d
Score
17
Yield
5.8%
Cash on Cash
-5.0%
Cap Rate
3.5%
5Y IRR
11.6%
10Y IRR
11.5%
Property Type-Condo Apartment
MLS® Number-X14087854
Beds-2
Bathrooms-3
Size-1600-1799 sqft
Listed on site-Oct 16, 2026
Style-Apartment
Building Type-Condo Apartment
Age-0-5
Taxes-$9,502 (2025)
Maintenance-$791/mo
Locker-Owned
Parking-1 - Underground
Basement-None
Heating-Forced Air (Electric)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-Yes
Fireplace-No
Pool-None
Exterior-Concrete Poured, Stucco (Plaster)
Possession-30-59 days
Neighbourhood-451 - Downtown
Title-Residential Condo & Other

No agent assigned

Discover luxury condominium living at 77 Yates, an exclusive boutique address in St. Cathartines' historic Yates Heritage District. Completed in 2022, this elegant six-storey building offers just 37 residences, combining contemporary luxury with the charm of a walkable neighborhood. This beautifully appointed 1,648 sq. ft., 2-bedroom, 3-bathroom suite backs onto a beautiful ravine, offering remarkable privacy and peaceful views of the Twelve Mile Creek valley, with no neighboring buildings overlooking the unit. Expansive windows and soaring 10-foot ceilings create a bright, airy atmosphere. Enjoy treetop and city views from the private 158 sq. ft. terrace, accessible directly from the primary bedroom & Living Rm.. Both spacious bedrooms feature private ensuites and walk-in closets with extensive built-in cabinetry and organizers. A separate powder room is ideal for guests. The stylish kitchen and bathrooms showcase high-end cabinetry and quartz countertops, complemented by luxury vinyl plank flooring, designer lighting and premium appliances, including a built-in wine fridge. Central air conditioning and a separate in-suite laundry room with additional storage add convenience. Underground parking with an electric vehicle charger and a large storage locker are included. The building has two elevators, one conveniently located near the suite. Club 77 amenities include a rooftop terrace with city and sunset views, fitness center, party room and BBQ stations. Stroll to parks, theatres, cafés, restaurants, the Farmers' Market and the First Ontario Performing Arts Centre. Shopping, wineries, the hospital and QEW/406 access are a short drive away. A rare opportunity for sophisticated condominium living, where luxury, privacy and convenience come together in one of St. Cathartines' most desirable neighborhoods.

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Closing Costs

Mortgage Amount
$756,000
Land Transfer Taxes$15,375
Legal Fees (Est.)
$
Total cash required for closing$205,875

Total Monthly Obligation

$5,595/mo
Mortgage $3,812
Monthly Loss $4,592
Principal$1,003
Interest$2,809
Property Tax$792
Condo Fees$791
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
2.9%18
Cash-on-Cash
-8.9%1
5-Year IRR
8.8%27
10-Year IRR
9.7%
Returns Index
14.8/ 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
$54,420/yr
NOI
$27,584/yr
Net Cash Flow
-$1,513/mo
Cash Margin
-33.4%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.607
LTV Ratio
80.0%18
Vacancy Buffer
1.7 mo26
Risk Index
17.2/ 100

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

Comparables

Properties near 77 Yates Street 505

Time

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