106 ST. AUGUSTINE Drive, St. Catharines

$584,999
106 ST. AUGUSTINE Drive

$584,999

New
2d
Detached2-Storey

106 ST. AUGUSTINE Drive, St. Catharines

Total Monthly Obligation $3,066

Beds
4
Baths
3
Park
2
Sqft
1100-1500
DOM
2d
Score
21
Yield
5.7%
Cash on Cash
-0.1%
Cap Rate
4.6%
5Y IRR
15.5%
10Y IRR
14.5%
Property Type-Detached
MLS® Number-X14102546
Beds-4
Bathrooms-3
Size-1100-1500 sqft
Lot Size-40 × 110 ft
Listed on site-Oct 21, 2026
Style-2-Storey
Building Type-Detached
Age-31-50
Taxes-$3,974 (2025)
Parking-3 - Attached
Basement-Partially Finished, Full
Heating-Forced Air (Electric)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-North
Exterior-Metal/Steel Siding, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-455 - Secord Woods
Title-Residential Freehold

No agent assigned

Welcome to 106 St. Augustine Drive, a well-maintained 2-storey home offering a unique and versatile layout in the established Secord Woods neighbourhood. Ideally located, this home offers excellent convenience with quick access to Highway 406 and the QEW, and is just minutes from the Pen Centre, parks, shopping, restaurants and everyday amenities. The Outlet Collection at Niagara, White Oaks and the Niagara-on-the-Lake Glendale corridor are also just a short drive away. Inside, the home offers 1,473 sq. ft. of above-grade living space with 3 bedrooms upstairs plus a versatile main-floor room that can also serve as a home office, den, playroom or guest room. The main level features a spacious living room with vaulted ceiling and hardwood flooring, a formal dining room, and a bright kitchen with island and breakfast area. One of the home's standout features is the large all-season sunroom overlooking the backyard. Complete with a cozy gas stove and access to the patio, it's an inviting extension of the living space that can be enjoyed throughout the year. Upstairs, an open landing with skylight and oak railing overlooks the living room below. Hardwood flooring continues throughout the second level, with three bedrooms including a spacious primary with two separate closets and additional storage, along with an updated 4-piece bathroom. The full, partially finished basement provides additional usable space and a recently renovated 3-piece bathroom. Outside, enjoy a fenced backyard with patio, vegetable and flower gardens, and a powered storage shed. An attached single-car garage with inside entry, newer garage door (2022) and double-wide concrete driveway complete the property. A well-cared-for home offering flexible living space, a standout sunroom and an exceptionally convenient St. Catharines location.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$467,999
Land Transfer Taxes$8,175
Legal Fees (Est.)
$
Total cash required for closing$126,675

Total Monthly Obligation

$3,066/mo
Mortgage $2,360
Monthly Loss $2,445
Principal$621
Interest$1,739
Property Tax$331
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%24
Cash-on-Cash
-5.6%2
5-Year IRR
11.3%45
10-Year IRR
11.6%
Returns Index
23.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$33,096/yr
NOI
$21,312/yr
Net Cash Flow
-$584/mo
Cash Margin
-21.2%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7512
LTV Ratio
80.0%18
Vacancy Buffer
3.1 mo52
Risk Index
27.6/ 100

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

Comparables

Properties near 106 ST. AUGUSTINE Drive

Time

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Data last updated within the past 24 hours.