
22 Kilmarnock Crescent, Whitby
Whitby
$899,900
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
3
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Legal Suite (+$1,400/mo)
Rent Estimate
Estimated from market price-to-rent ratios
Remarks
Welcome to luxury living at **22 Kilmarnock Crescent**, one of the largest single-detached models in the prestigious Whitby Meadows community! Built in 2019, meticulously maintained home boasts striking French stucco & stone curb appeal with no sidewalk, allowing for maximum parking convenience. Step inside to approximately 2,229 sq.ft. of fully upgraded, sun-drenched living space featuring **rare 9-ft smooth ceilings on BOTH the main and 2nd levels**. Freshly painted. The airy, open-concept main floor is designed for seamless entertaining and everyday comfort, showcasing 8-ft doors, gleaming hardwood floors, upgraded trim, and elegant oak stairs. Oversized windows throughout flood the home with brilliant natural light. Automated window coverings on the main floor offer effortless light control at the touch of a button. At the heart of the home is a chef-inspired kitchen equipped with extended cabinetry, rich granite countertops, a large centre island with breakfast bar, and generous storage. Upstairs, discover 4 exceptionally spacious bedrooms, each fitted with large windows and ample closet space. The primary retreat is a true sanctuary featuring a huge walk-in closet and a spa-like **5-piece primary ensuite** complete with a double vanity. The expansive, unfinished basement offers endless future potential with larger lookout windows, a 3-piece bathroom rough-in, and a cold cellar. Unbeatable location! Situated in a thriving, family-friendly neighbourhood close to top-rated schools, parks, scenic trails, and shopping. Commuting across the GTA is a breeze-just a few minutes to Durham Centre, Whitby GO Station, and quick access to Highways 401, 412, and 407. Turn-key, modern perfection awaits!
MississaugaInvestor.ca
22 Kilmarnock Crescent
Detached · 4bd/3ba · ~2,250 sqft
$899,900
Cash-Flow Report · July 31, 2026
Cap Rate
3.27%
Monthly Cash Flow
-$1,692/mo
Estimated Rent
$4,450/mo
Cash-on-Cash
-10.28%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,450 |
| Mortgage | −$4,142 |
| Property Tax | −$802 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$750 |
| Vacancy (5%) | −$223 |
| Cash Flow | -$1,692/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$53,400 |
| Vacancy (5%) | −$2,670 |
| Property Tax | −$9,629 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,999 |
| Annual NOI | $29,402 |
| Cap Rate | 3.27% |
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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