
400 Byron Street, Whitby
Whitby
$899,900
Cash flow, cap rate & mortgage breakdown
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Listed by The Nook Realty Inc.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
2
Days on Market
29
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,000/mo
Estimated from market price-to-rent ratios
Remarks
Located In The Heart Of Historic Downtown Whitby, This Exceptional Century Home Offers The Perfect Blend Of Timeless Character And Modern Comfort. Stroll To Local Cafés, Restaurants, Boutique Shopping, Parks And Community Events, With The Whitby GO Station Just Minutes Away For An Easy Commute. Set On A Private Corner Lot, The Beautifully Landscaped Grounds Feature A Stunning Inground Pool (New Liner 2023), Covered Gazebo, Entertaining Deck And Multiple Outdoor Spaces Designed For Relaxing And Gathering. The Original Century Cottage Showcases 10-Foot Ceilings, Oversized Windows And The Warmth And Craftsmanship Only A Home Of This Era Can Offer. 3 Generous Bedrooms Are Complemented By An Oversized Bathroom Featuring A Classic Clawfoot Tub And Walk-In Glass Shower. The Heart Of The Home Is A Beautifully Designed Vintage-Inspired Kitchen With Granite Countertops And Quality Stainless Steel Appliances, Opening To Inviting Living And Dining Spaces. A Thoughtfully Designed Addition, Completed In 2002, Creates An Entirely New Experience. Here You'll Find Main Floor Laundry, A Powder Room, Mudroom With Direct Access To The Pool, And An Extraordinary Second-Storey Family Room With Vaulted Ceilings, A Gas Fireplace And Walls Of Large Windows Overlooking The Treetops. Bathed In Natural Light, It Offers Beautiful Views Over The Pool And Private Courtyard Below, Creating A Space Unlike Anything Else On The Market. Bonus Finished Basement With Extra Tall Ceilings & Large Windows. Practicality Meets Charm With A Side Driveway, Detached Garage And Parking For 3 Vehicles. While The Home's Century Character Has Been Beautifully Preserved, Extensive Mechanical And Electrical Updates Provide The Confidence And Convenience Of Modern Ownership. Rich In History, Full Of Personality And Impossible To Replicate, This Is A Rare Opportunity To Own One Of Downtown Whitby's Truly Special Homes While Embracing One Of Durham Region's Most Sought-After Walkable Lifestyles!
MississaugaInvestor.ca
400 Byron Street
Detached · 3bd/2ba · ~1,750 sqft
$899,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.43%
Monthly Cash Flow
-$3,069/mo
Estimated Rent
$3,000/mo
Cash-on-Cash
-18.65%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,000 |
| Mortgage | −$4,142 |
| Property Tax | −$802 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$750 |
| Vacancy (5%) | −$150 |
| Cash Flow | -$3,069/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$36,000 |
| Vacancy (5%) | −$1,800 |
| Property Tax | −$9,629 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,999 |
| Annual NOI | $12,872 |
| Cap Rate | 1.43% |
Cash Required to Close
| Down Payment (20%) | $179,980 |
| Ontario Land Transfer Tax | $14,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $197,453 |
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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