224 Severn Street, Oshawa
Oshawa
$1,399,000
Cash flow, cap rate & mortgage breakdown
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Listed by DREAM VALLEY REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
4
Days on Market
25
Price Drop
5%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,500/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this exceptional Holland Homes executive residence, built in 2022 and situated on a premium corner lot in one of Oshawa's most desirable family-friendly communities. Offering approximately 3,580 sq. ft. of beautifully designed living space, this impressive home features 4 spacious bedrooms, 4 bathrooms, a main-floor office, hardwood flooring throughout, quartz countertops, an elegant oak staircase, premium GE Café appliances, a walk-in pantry, upgraded cabinetry, and a pot filler faucet above the cooktop. The open-concept layout is ideal for modern living and entertaining, while the dining area provides a walkout to a professionally finished concrete patio. Additional highlights include a double-car garage, second-floor laundry with enhanced leak protection, abundant natural light, and numerous builder upgrades throughout. Conveniently located close to schools, parks, shopping, transit, and major commuter routes, this move-in-ready home offers a rare opportunity to own a newer luxury residence in the highly sought-after McLaughlin community.
MississaugaInvestor.ca
224 Severn Street
Detached · 4bd/4ba · ~4,250 sqft
$1,399,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.35%
Monthly Cash Flow
-$6,032/mo
Estimated Rent
$3,500/mo
Cash-on-Cash
-23.56%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,500 |
| Mortgage | −$6,439 |
| Property Tax | −$1,527 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,166 |
| Vacancy (5%) | −$175 |
| Cash Flow | -$6,032/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$42,000 |
| Vacancy (5%) | −$2,100 |
| Property Tax | −$18,327 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$13,990 |
| Annual NOI | $4,883 |
| Cap Rate | 0.35% |
Cash Required to Close
| Down Payment (20%) | $279,800 |
| Ontario Land Transfer Tax | $24,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $307,255 |
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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