302 Vine Street 43, St. Catharines

$429,900
302 Vine Street 43

$429,900

New
2d
Condo Townhouse2-Storey

302 Vine Street 43, St. Catharines

Total Monthly Obligation $2,694

Bed+Den
4+1
Baths
2
Park
1
Sqft
1000-1199
DOM
2d
Score
18
Yield
5.6%
Cash on Cash
-6.6%
Cap Rate
3.2%
5Y IRR
10.4%
10Y IRR
10.5%
Property Type-Condo Townhouse
MLS® Number-X14102444
Bed+Den-4+1
Bathrooms-2
Size-1000-1199 sqft
Listed on site-Oct 21, 2026
Style-2-Storey
Building Type-Condo Townhouse
Taxes-$2,738 (2025)
Maintenance-$532/mo
Locker-None
Parking-1 - None
Basement-Full, Partially Finished
Heating-Forced Air (Gas)
Brokerage-BAY STREET GROUP INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Possession-Flexible
Neighbourhood-444 - Carlton/Bunting
Title-Residential Condo & Other

No agent assigned

Welcome to 302 Vine Street, Unit 43, St. Catharines! This well-maintained end-unit condo townhouse offers comfortable, affordable living in a convenient location. Whether you are a first-time buyer, a growing family, or an investor, this home is full of potential! | Step inside and enjoy a bright, functional main floor featuring a kitchen combined with the dining area, plus a spacious living room and family room with sliding doors leading to your private, fully fenced backyard. It is the perfect spot for morning coffee, summer BBQs, or relaxing outdoors. With no rear neighbours and common green space beside the unit, you will enjoy extra privacy and a pleasant outdoor setting. | Upstairs, you will find three comfortable bedrooms and a beautiful 4-piece bathroom. Partly fresh paint and new flooring give the home a clean, refreshed feel. The partially finished basement provides valuable extra space for a recreation room, home office, gym, playroom, or additional sleeping area as another bedroom. A convenient 3-piece bathroom with laundry facilities adds even more functionality. | Enjoy the convenience of one exclusive parking space just steps to the unit, plus ample visitor parkings. The monthly condo fee of $532.00 includes water, cable TV, internet, building insurance, property management, exterior maintenance, landscaping, grass cutting, and snow removal - making everyday living easier and more predictable. | Located in a well-connected neighbourhood, this home is close to shopping, schools, parks, banks, restaurants, public transit, and other everyday amenities, with easy access to the QEW for commuting. | Move-in ready and vacant for quick possession, this is a fantastic opportunity to enjoy practical living, extra privacy, and great value in St. Catharines. Do not miss your chance to make this inviting condo townhouse your next home! Come and stay today!

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$343,920
Land Transfer Taxes$5,073
Legal Fees (Est.)
$
Total cash required for closing$92,553

Total Monthly Obligation

$2,694/mo
Mortgage $1,734
Monthly Loss $2,238
Principal$456
Interest$1,278
Property Tax$228
Condo Fees$532
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
2.4%14
Cash-on-Cash
-11.6%0
5-Year IRR
6.8%17
10-Year IRR
8.3%
Returns Index
9.9/ 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
$24,060/yr
NOI
$10,132/yr
Net Cash Flow
-$890/mo
Cash Margin
-44.4%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.495
LTV Ratio
80.0%18
Vacancy Buffer
3.6 mo61
Risk Index
28.0/ 100

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

Comparables

Properties near 302 Vine Street 43

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.