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Investment signal

$529,900

13 ALBERT STREET W

Save this home

Beds

Baths

Sqft

2,256

Year

Type

Retail

Suite

Investment signal

Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Thorold (Thorold Downtown). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Turnkey mixed-use investment opportunity in the heart of downtown Thorold! Fully leased 4-unit building. Featuring 2 residential units. Both res units are Multi level cool and unique! The 3-bedroom renovated ( over past few years ) features two walk in closets and OWN laundry room - appliances included . 1552 sq ft. The other residential 2-bedroom unit , also multilevel (bedrooms upstairs on both units )with renovated kitchen and bathrooms and generous room sizes with walk in closet and other bedroom has a triple closet. No carpet in either . 1306 sq ft. for this unit. Both units appliances included, and 4 mobile a/c units . 2 commercial units, 1 is 369 sq ft and the other is 613 sq ft. All offering a well-balanced and diversified income stream. Situated steps to Front Street, this property benefits from a walkable downtown setting with local restaurants, cafés, and bakery-style shops nearby, including popular spots such as The Burgh, Thorold Family Medical Centre, and neighbourhood coffee ,lunch , shopping ,and pizza destinations. This building has two basements, both extremely suitable for storages rentals or use to suit. 2026 Flat roof just done by watertite with 15 yr transferrable warranty. The area provides consistent pedestrian activity and a strong sense of community, supporting long-term tenant demand. Property offers stable tenancies, consistent income, and manageable operating expenses. Rear laneway access with one parking space included. Ideal for investors seeking a low-maintenance asset in a growing Niagara Region location, with future upside potential in both residential and commercial rents. Excellent opportunity to own a fully tenanted mixed-use property in a vibrant and convenient location. month to month for commercial units, 1 res on a lease (id:65958)

Subtype
Retail
Community
557 - Thorold Downtown
Living area
2,256 square feet
Lot dimensions
Bldg=38.55 x 61 FT
Parking
1 total
On market
Apr 23, 2026
Status changed
Apr 25, 2026
Annual tax
$4,407 (2025)
Zoning
C2
Photos
44
MLS#
X13033828
Area
THOROLD_(THOROLD_DOWNTOWN)

Features and systems

Appliances

DishwasherDryerTwo Washers

Heating

Hot water radiator heatElectricNatural gasRadiatorHot Water

Cooling

None
Negative cash flow ~$616/mo at these assumptions

Cash on cash

-6.97%

Cap rate

3.47%

GRM

16.7

Break-even rent

$3,298

Financing

Down payment$105,980
Loan amount$423,920
Mortgage$2,148/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$243
Insurance$80
Maintenance$442
CapEx reserve$221
Vacancy loss$133

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Mortgage estimate

Estimated $2,148/mo at 4.5% with 20% down, 30-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 25, 2026.

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