
137 Timber Mill Avenue, Whitby
Whitby
$789,900
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 LEADING EDGE REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
4
Bathrooms
3
Days on Market
7
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,100/mo
Estimated from market price-to-rent ratios
Remarks
Turn The Key And Start Living! Welcome To This Beautifully Renovated, True Freehold(No POTL Fees), End-Unit Townhome Offering 4 Bedrooms, 3 Bathrooms And A Thoughtfully Designed Floor Plan. The Main Floor Showcases An Open-Concept Living And Dining Area, While The Eat-In Kitchen Features Brand-New Quartz Countertops, Brand-New Stainless Steel Appliances, Updated Cabinetry With Brand-New Modern Hardware And A Walkout To The Backyard. Professionally Painted Throughout, The Interior Is Enhanced By Brand-New Luxury Vinyl Plank Flooring, Brand-New Lighting Throughout, New Baseboards And Tastefully Updated Bathrooms With Brand-New Vanities, Toilets, Modern Faucets, Mirrors And Fixtures. The Distinctive Split-Level Design Provides Exceptional Versatility. The Upper Level Features A Spacious Primary Retreat Complete With An Updated 4-Piece Ensuite, A Generous Double Closet And Convenient Linen Storage. This Level Also Includes Two Additional Bedrooms And A Full Bathroom. A Separate Upper Level Includes A Dedicated Office Nook And A Private Fourth Bedroom, Creating The Perfect Space For A Teen Retreat, Guests, A Media Room Or Additional Living Area. Completing The Home Are A Brand-New Air Conditioner, Brand-New Washer And Dryer, A Private Driveway With Parking For Two Vehicles And A Single-Car Garage. Ideally Situated In The Family-Friendly Williamsburg Neighbourhood Within The Highly Sought After Jack Miner Public School Catchment, You're Just Minutes To Parks, Shopping, Transit, Restaurants And Everyday Amenities. All That's Left To Do Is Turn The Key, Move In, And Enjoy.
MississaugaInvestor.ca
137 Timber Mill Avenue
Att/Row/Townhouse · 4bd/3ba · ~1,300 sqft
$789,900
Cash-Flow Report · July 31, 2026
Cap Rate
2.06%
Monthly Cash Flow
-$2,278/mo
Estimated Rent
$3,100/mo
Cash-on-Cash
-15.78%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,100 |
| Mortgage | −$3,636 |
| Property Tax | −$704 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$658 |
| Vacancy (5%) | −$155 |
| Cash Flow | -$2,278/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$37,200 |
| Vacancy (5%) | −$1,860 |
| Property Tax | −$8,452 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,899 |
| Annual NOI | $16,289 |
| Cap Rate | 2.06% |
Cash Required to Close
| Down Payment (20%) | $157,980 |
| Ontario Land Transfer Tax | $12,273 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $173,253 |
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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