
54 Breakwater Drive, Whitby
Whitby
$764,900
Cash flow, cap rate & mortgage breakdown
Enter your email to unlock them right here.
Free forever. No credit card. Unsubscribe anytime.
Listed by ROYAL LEPAGE RCR REALTY
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
3
Days on Market
24
Price Drop
1%
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$2,750/mo
Estimated from market price-to-rent ratios
Remarks
Looking for the perfect place to start your next chapter? This bright and beautifully updated end-unit townhome checks all the boxes! Tucked away on a quiet, family-friendly street and just a short walk to Lake Ontario, parks, trails, and schools, this 3-bedroom, 3-bath gem offers both lifestyle and location. Step inside to a welcoming main floor featuring a spacious living and dining area, a stylish kitchen with quartz counters and stainless steel appliances, and a sunny eat-in space with a walkout to your private backyard oasis-complete with a large interlock patio made for summer BBQs and entertaining. Upstairs, unwind in your spacious primary suite with a walk-in closet and ensuite, plus two additional bedrooms for family, guests, or a home office.The finished basement adds even more living space with a cozy rec room and office - perfect for movie nights or working from home. Curb appeal shines with interlocking walkways and patio, a landscaped front yard, and a private extra-wide driveway with side-by-side parking for two cars. Close to shops, transit, Highway 401, and the GO Train. With all the big-ticket updates already done - roof (2014), windows & doors (2016-2019), furnace (2019), A/C (2019), hot water heater (2026), this move-in ready home is ideal for first-time buyers or young families looking to settle into this very desirable neighbourhood.
MississaugaInvestor.ca
54 Breakwater Drive
Att/Row/Townhouse · 3bd/3ba · ~1,300 sqft
$764,900
Cash-Flow Report · August 1, 2026
Cap Rate
1.68%
Monthly Cash Flow
-$2,453/mo
Estimated Rent
$2,750/mo
Cash-on-Cash
-17.55%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,750 |
| Mortgage | −$3,521 |
| Property Tax | −$682 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$637 |
| Vacancy (5%) | −$138 |
| Cash Flow | -$2,453/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$33,000 |
| Vacancy (5%) | −$1,650 |
| Property Tax | −$8,184 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,649 |
| Annual NOI | $12,817 |
| Cap Rate | 1.68% |
Cash Required to Close
| Down Payment (20%) | $152,980 |
| Ontario Land Transfer Tax | $11,773 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $167,753 |
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
Get the Full Cash-Flow Report
A one-page PDF: cap rate, cash flow, mortgage breakdown, NOI and total cash to close — all assumptions in one printable summary.
Also unlocks cap rate, sold comps & mortgage detail.