
40 Auckland Drive, Whitby
Whitby
$1,224,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX REALTRON REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
4
Days on Market
16
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,700/mo
Estimated from market price-to-rent ratios
Remarks
Welcome To This Bright & Spacious 3,036 Sq. Ft. Corner Lot Home Offering An Exceptional Layout Filled With Natural Light From An Abundance Of Windows. Situated On A Premium Lot With A Sidewalk On Only One Side, This Home Features Separate Yet Open-Concept Living, Dining & Family Rooms, Perfect For Both Everyday Living & Entertaining. The Main Floor Showcases Hardwood Flooring, Smooth Ceilings, Upgraded Foyer Tiles, An Elegant Oak Staircase With Iron Pickets & A Spacious Family Room With A Cozy Fireplace. The Upgraded Kitchen Features Quartz Countertops, A Large Centre Island With Seating For Four, High-End Stainless Steel Appliances & A Bright Breakfast Area With A Walk-Out To The Backyard. Upstairs, The Primary Bedroom Features A Beautiful Tray Ceiling, A Walk-In Closet & A Luxurious 5-Piece Ensuite. Two Additional Bedrooms Share A Convenient 3-Piece Semi-Ensuite With A Stand-Up Shower, While Another Bedroom Enjoys Its Own Private 4-Piece Bathroom & Double Closet. Upgraded Light Fixtures Throughout Add A Modern Touch. A Functional Mudroom With Laundry & Direct Access To The Garage Completes This Beautiful Family Home. Located In The Highly Desirable Whitby Community Offering Easy Access To Highways 401 & 407, Top-Rated Schools Including A Brand New School Opening Sept 2026 Within Walking Distance, Parks, Whitby GO Station, Costco, Walmart, Thermea Spa, Recreational Sports Complexes, Gyms & Many Other Amenities.
MississaugaInvestor.ca
40 Auckland Drive
Detached · 4bd/4ba · ~3,250 sqft
$1,224,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.15%
Monthly Cash Flow
-$4,461/mo
Estimated Rent
$3,700/mo
Cash-on-Cash
-19.9%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,700 |
| Mortgage | −$5,638 |
| Property Tax | −$1,092 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,021 |
| Vacancy (5%) | −$185 |
| Cash Flow | -$4,461/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$44,400 |
| Vacancy (5%) | −$2,220 |
| Property Tax | −$13,106 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$12,249 |
| Annual NOI | $14,125 |
| Cap Rate | 1.15% |
Cash Required to Close
| Down Payment (20%) | $244,980 |
| Ontario Land Transfer Tax | $20,973 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $268,953 |
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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