15 Huggins Drive, Whitby
Whitby
$1,499,000
Cash flow, cap rate & mortgage breakdown
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Listed by BODE
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
6
Days on Market
87
Price Drop
5%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$4,250/mo
Estimated from market price-to-rent ratios
Remarks
2 Story Detached Home! 5 large beds, 6 baths, main floor office and upper floor library, formal dinning.Large Great Gulf house model. Over 4500sqft finished livable space. Coveted Donald A. Wilson School District. Four bedrooms with ensuite. Master having a 5-pc ensuite. Numerous builder upgrades focusing on comfort and energy efficiency. Luxury stainless steel appliances, including six-burner monogram gas range. Fenced backyard. Open concept kitchen. Hardwood flooring and granite counters with stone backsplash in the kitchen. Located on a quiet street in a family friendly neighbourhood within close walking distance to parks. Main floor office and upper floor library. Formal dinning. California shutters, gas fireplace. Laundry conveniently located on second floor. 2 car garage and 2 car driveway. Minutes to Hwy 412, Whitby GO, Thermia Spa, Hospitals, Groceries, Costco, Schools (public & private), etc. Appliances: Fridge Stove, B/I Dishwasher, Washer & Dryer, window coverings and parking HVAC: A/C and tankless water heater. Some photos include virtual staging.
MississaugaInvestor.ca
15 Huggins Drive
Detached · 5bd/6ba · ~3,250 sqft
$1,499,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.98%
Monthly Cash Flow
-$5,674/mo
Estimated Rent
$4,250/mo
Cash-on-Cash
-20.68%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,250 |
| Mortgage | −$6,900 |
| Property Tax | −$1,337 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,249 |
| Vacancy (5%) | −$213 |
| Cash Flow | -$5,674/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$51,000 |
| Vacancy (5%) | −$2,550 |
| Property Tax | −$16,039 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$14,990 |
| Annual NOI | $14,721 |
| Cap Rate | 0.98% |
Cash Required to Close
| Down Payment (20%) | $299,800 |
| Ontario Land Transfer Tax | $26,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $329,255 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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