
20 Castille Avenue, Toronto E04
Toronto E04
$1,899,999
Cash flow, cap rate & mortgage breakdown
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Listed by REMAX YOUR COMMUNITY REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
5
Days on Market
78
Price Drop
12%
Year Built
N/A
Status
Active
Basement Income
Legal Suite (+$1,700/mo)
Rent Estimate
Estimated from market price-to-rent ratios
Remarks
Custom built to perfection, this striking 3-levels of modern exceptional functionality includes a legal basement apartment, with a private separate side entrance. Thoughtfully designed, showcasing superior craftsmanship includes a 2nd floor playroom is a 5th bedroom in addition to the 4 bedrooms, 2nd floor laundry room with ample storage. Plus a lower level recreation room in addition to the legal 1-bedroom apartment, with its own furnace and laundry room. This home seamlessly blends comfort and purpose from the garage walk up with a platform for boots and coats before entering into the mudroom that includes the separate basement staircase to a recreation area with a cold room and utility room, and walk-thru to the 1-bedroom legal basement apartment. The principle bedroom was designed for the hotel experience including its own foyer; the ensuite includes a toilet closet, massive shower, and stand-alone soaker tub. The dream kitchen with wall to wall cabinets, s/s appliances, a 10' long centre breakfast island with a 40"wide double sink features floor to ceiling windows combined with the great room to ensure ultimate family appreciation. Set on generous 50' x 100' pie shaped lot; 45' wide at east rear side to be enjoyed from the wall to wall deck in the fenced backyard. Additional details to be appreciated include oak hardwood, and porcelain floors, 2" & 3" wide oak handrails, custom wall trim and vents, 7.5" baseboards, ample pot lights, flat ceilings, Lennox smart thermostat, 200amp service, wired for ev, bbq hook up, 75 gallon owned hot water heater, dedicated water lines, 30-year shingles, right down to and including gutter guards. The fire hydrant is located at opposite property. Railings to be installed w/o May 18th front porch. Driveway to be paved w/o May 25.
MississaugaInvestor.ca
20 Castille Avenue
Detached · 6bd/5ba · ~4,250 sqft
$1,899,999
Cash-Flow Report · July 31, 2026
Cap Rate
1.69%
Monthly Cash Flow
-$6,072/mo
Estimated Rent
$6,300/mo
Cash-on-Cash
-17.45%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$6,300 |
| Mortgage | −$8,745 |
| Property Tax | −$1,504 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,583 |
| Vacancy (5%) | −$315 |
| Cash Flow | -$6,072/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$75,600 |
| Vacancy (5%) | −$3,780 |
| Property Tax | −$18,050 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$19,000 |
| Annual NOI | $32,070 |
| Cap Rate | 1.69% |
Cash Required to Close
| Down Payment (20%) | $379,999.8 |
| Ontario Land Transfer Tax | $34,475 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $417,474.8 |
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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