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Investment signal

$500,000

15 VERA STREET

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Beds

Baths

Sqft

—

Year

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Type

Single Family

Suite

Investment signal

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Location nearby

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

About this home

Spring is here and this home has all the outdoor space you need to make your garden, patio, pool, or garage dreams a reality! With room for the whole family both inside and outside you have everything you need to make this home your own. Offering three well sized bedrooms, bathroom, kitchen, living, breakfast and foyer on the main floor with a family room, laundry and extra space downstairs. Get in now and line up your summer to do list on this springtime stunner! Or see the potential with this duplex investment opportunity. (id:65958)

Subtype: Single Family
Architectural style: Raised bungalow
Structure: House
Community: 458 - Western Hill
Common interest: Freehold
Lot dimensions: 52.5 x 105 FT
Bedrooms: 3 above grade
Parking: 4 total
Stories: 1
On market: Apr 10, 2026
Status changed: Apr 24, 2026
Annual tax: $3,268 (2025)
Photos: 37
MLS#: X12981098
Area: ST._CATHARINES_(WESTERN_HILL)

Features and systems

Parking

No Garage

Basement

FinishedN/A

Heating

Forced airNatural gas

Cooling

Central air conditioning

Exterior

BrickVinyl siding

Foundation

Block

Negative cash flow ~$586/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)Default 4.5% — adjust to your rate holdAmortization (years)

Cash on cash

-7.03%

Cap rate

3.46%

GRM

16.7

Break-even rent

$3,117

Financing

Down payment$100,000

Loan amount$400,000

Mortgage$2,027/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$229

Insurance$80

Maintenance$417

CapEx reserve$208

Vacancy loss$125

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 $2,027/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 24, 2026.