4105 Catherine Street, Thames Centre

$624,900
4105 Catherine Street

$624,900

New
7d
Detached2 1/2 Storey

4105 Catherine Street, Thames Centre

Total Monthly Obligation $3,239

Beds
3
Baths
2
Park
4
Sqft
2000-2500
DOM
7d
Score
20
Yield
5.2%
Cash on Cash
-2.1%
Cap Rate
4.1%
5Y IRR
13.9%
10Y IRR
13.3%
Property Type-Detached
MLS® Number-X14095884
Beds-3
Bathrooms-2
Size-2000-2500 sqft
Lot Size-66 × 334.8 ft
Listed on site-Oct 16, 2026
Style-2 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$4,122 (2025)
Parking-4 - None
Basement-Crawl Space, Full, Partial Basement
Heating-Forced Air (Gas)
Brokerage-EXP REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete, Stone
Sewer-Septic
Possession-Flexible
Neighbourhood-Dorchester
Title-Residential Freehold

No agent assigned

Full of character and charm, this distinctive century home sits on a large, treed lot backing directly onto the Thames River in Dorchester. Enjoy a lifestyle connected to nature, with space to relax outdoors, explore the shoreline and make the most of the riverfront setting, while enjoying life in this welcoming Thames Centre community. The main floor showcases four stained-glass windows and approximately 12-inch-high decorative baseboards that reflect the home's historic character. Original second-floor hardwood flooring blends with thoughtful updates, including a custom kitchen with cabinetry and white oak flooring on the main level. A standout rear addition offers a soaring cathedral ceiling, skylights, expansive windows, an exposed brick accent wall and custom sliding doors, creating a bright, inviting space to gather and unwind. The layout includes a formal dining room, living room, spacious family room, main-floor laundry and three-piece bath, three second-floor bedrooms, an office and a four-piece bath, plus a third-floor loft/bedroom. Updates include custom great-room windows and sliding doors (2019), furnace and air conditioning (2019), roof and skylights (2022), kitchen cabinetry and main-level flooring (2022), and front and rear decks. Outside, enjoy the treed yard, fire pit, garden shed and driveway parking for four vehicles. A distinctive home offering historic character, thoughtful updates and a special riverside setting in Dorchester.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$499,920
Land Transfer Taxes$8,973
Legal Fees (Est.)
$
Total cash required for closing$135,453

Total Monthly Obligation

$3,239/mo
Mortgage $2,521
Monthly Loss $2,576
Principal$663
Interest$1,857
Property Tax$344
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%20
Cash-on-Cash
-7.2%1
5-Year IRR
9.9%35
10-Year IRR
10.6%
Returns Index
18.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 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
$32,400/yr
NOI
$20,538/yr
Net Cash Flow
-$809/mo
Cash Margin
-30.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.689
LTV Ratio
80.0%18
Vacancy Buffer
3.0 mo49
Risk Index
25.6/ 100

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

Comparables

Properties near 4105 Catherine Street

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