
32 Bluegill Crescent, Whitby
Whitby
$825,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX REAL ESTATE CENTRE INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
4
Bathrooms
3
Days on Market
77
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,150/mo
Estimated from market price-to-rent ratios
Remarks
Stunning Freehold Townhome in the Family-Friendly Lynde Creek Community! One of the largest in community. with no road fees or POTL fees. No sidewalk in front of Double Garage allows parking for up to 3 vehicles. This beautifully upgraded home features engineered hardwood and vinyl flooring throughout Carpet Free and elegant oak staircases. The modern kitchen is designed to impress with upgraded cabinetry, quartz countertops, stylish backsplash, oversized undermount sink, and a large island with breakfast bar seating. Enjoy contemporary finishes throughout, including mirrored closets, spacious bathrooms, upgraded light fixtures, and charming window seats in the bedrooms. Step out onto your spacious second-floor terrace, perfect for BBQs and outdoor dining under the stars. Bonus Ground Floor Room offers flexibility for a home office, gym, or guest suite, with convenient garage access from inside the home. Ideally located just minutes to Highways 407, 412, and 401, only 8 minutes to Whitby GO Station, and 10 minutes to scenic beaches and trails. Close to parks featuring a splash pad, basketball court, and zipline, as well as nearby casino, restaurants, and grocery stores. A perfect blend of comfort, style, and convenience-don't miss this opportunity! * School Districts: St. John Evangelist C.S (English & French Immersion), All Saints C.S.S, Father Leo J. Austin C.S.S (French), Robert Munsch P.S, Henry Street H.S, Captain Michael Vandenbos P.S (French), Donald A. Wilson S.S (French).
MississaugaInvestor.ca
32 Bluegill Crescent
Att/Row/Townhouse · 4bd/3ba · ~1,750 sqft
$825,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.96%
Monthly Cash Flow
-$2,454/mo
Estimated Rent
$3,150/mo
Cash-on-Cash
-16.27%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,150 |
| Mortgage | −$3,797 |
| Property Tax | −$736 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$688 |
| Vacancy (5%) | −$158 |
| Cash Flow | -$2,454/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$37,800 |
| Vacancy (5%) | −$1,890 |
| Property Tax | −$8,828 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,250 |
| Annual NOI | $16,132 |
| Cap Rate | 1.96% |
Cash Required to Close
| Down Payment (20%) | $165,000 |
| Ontario Land Transfer Tax | $12,975 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $180,975 |
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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