60 Division Street, St. Catharines

$324,900
60 Division Street

$324,900

New
2d
Detached1 1/2 Storey

60 Division Street, St. Catharines

Total Monthly Obligation $1,841

Beds
2
Baths
1
Park
1
Sqft
1100-1500
DOM
2d
Score
23
Yield
5.9%
Cash on Cash
0.5%
Cap Rate
4.7%
5Y IRR
16.0%
10Y IRR
15.0%
Property Type-Detached
MLS® Number-X14101052
Beds-2
Bathrooms-1
Size-1100-1500 sqft
Lot Size-30 × 90 ft
Listed on site-Oct 21, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$1,860 (2026)
Parking-1 - None
Basement-Partial Basement, Unfinished
Heating-Forced Air (Gas)
Brokerage-RE/MAX ESCARPMENT REALTY INC.
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Stone, Slab
Sewer-Sewer
Possession-Flexible
Neighbourhood-450 - E. Chester
Title-Residential Freehold

No agent assigned

First time buyers, investors and downsizers - this one is for you! This solid 1.5 storey home is beautifully maintained and extensively renovated, with plenty of functional living space, rear parking, and a large, fully fenced yard (2022). The main level offers a spacious living area, large bedroom, updated 4pc bathroom and kitchen with adjacent dining area, and features high ceilings, updated flooring (2026) and loads of natural and recessed lighting throughout. Upstairs, the finished loft space makes for a fantastic second bedroom, and you'll find plenty of storage space in the basement. Explore all this vibrant community has to offer, with some of St. Catharines' best attractions, parks and amenities all within a 20-minute walk! Catch a Niagara IceDogs game at the Meridian Centre, explore the community gardens and scenic walking trails at Richard Pierpoint Park, or spend a Saturday morning browsing the St. Catharines Farmers' Market. Enjoy the beautiful green space at Montebello Park, home to the annual Niagara Grape & Wine Festival, or take in a show at the FirstOntario Performing Arts Centre. With so much to see and do just steps from your door, plus convenient access to the QEW, Highway 406, the Pen Centre and countless everyday amenities, this location offers the perfect combination of walkability, convenience and community! Don't miss out!

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

Closing Costs

Mortgage Amount
$259,920
Land Transfer Taxes$3,349
Legal Fees (Est.)
$
Total cash required for closing$69,829

Total Monthly Obligation

$1,841/mo
Mortgage $1,311
Monthly Loss $1,496
Principal$345
Interest$966
Property Tax$155
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.4%21
Cash-on-Cash
-6.9%1
5-Year IRR
10.3%38
10-Year IRR
10.9%
Returns Index
19.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$19,200/yr
NOI
$10,920/yr
Net Cash Flow
-$401/mo
Cash Margin
-25.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.6910
LTV Ratio
80.0%18
Vacancy Buffer
5.2 mo85
Risk Index
37.8/ 100

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

Comparables

Properties near 60 Division Street

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.

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Data last updated within the past 24 hours.