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Investment signal

$729,900

239 YORK Street

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Beds

Baths

Sqft

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Year

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Type

Multi-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. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Turnkey triplex in a strong St. Catharines location at 239 York Street, offering three self-contained 2-bedroom units with solid income and long-term upside. Current rents: Unit 1 (Front) $1,400 + hydro, Unit 2 (Back) $1,100 + hydro, Unit 3 (Upper) $1,400 + hydro, all separately metered with three hydro meters and one gas meter. The property has seen key updates including windows and siding (2016), two furnaces for the main floor units (2016), upper unit wall furnace, owned hot water tanks (gas and electric, 2022), and electrical updated to breakers. Exterior improvements include a rebuilt fire escape (2021) and a new backyard fence (2025). Roof is approximately 15 years on the main section with lower roofs replaced in 2020. Parking for four vehicles in the driveway plus additional street parking. A well-maintained, easy-to-manage asset in a desirable rental area with stable tenants and room for future growth. (id:65958)

Subtype: Multi-family
Structure: Triplex
Community: 452 - Haig
Common interest: Freehold
Living area: 1,925 square feet
Parking: 4 total
Stories: 2
On market: Apr 20, 2026
Status changed: Apr 20, 2026
Annual tax: $3,762
Zoning: R2
Photos: 29
MLS#: 40822615
Area: ST._CATHARINES

Features and systems

Basement

UnfinishedFull

Heating

Forced air

Cooling

Wall unit

Exterior

Vinyl siding

Foundation

Poured Concrete

Community

Quiet AreaSchool Bus

Negative cash flow ~$818/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

-6.72%

Cap rate

3.52%

GRM

16.7

Break-even rent

$4,511

Financing

Down payment$145,980

Loan amount$583,920

Mortgage$2,959/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$335

Insurance$80

Maintenance$608

CapEx reserve$304

Vacancy loss$183

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 $2,959/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 20, 2026.