
139 Oceanpearl Crescent, Whitby
Whitby
$834,900
Cash flow, cap rate & mortgage breakdown
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Listed by SUTTON GROUP - SUMMIT REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
3
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Beautiful Family Home located in quiet, desirable neighbourhood and move in ready! 3 bedroom 3 bathroom Raised Bungalow with walkout lower level to a pergola covered patio. Entering the mainentrance of the home, The hardwood staircase takes you to the main floor where you find yourself in the open & spacious great room with Hardwood floors, great for entertaining. A large eat-in kitchen boasts Granite Countertops, Stainless Steel Appliances And Breakfast Bar. From the dining area of the kitchen there is a W/O to a relaxing south facing balcony over looking Oceanpearl Park with a pond, park and play area for the kids. In the Large Primary Bedroom you will find a walk-in closet, 4pc ensuite with Jacuzzi Tub & Separate Shower. A second bedroom overlooking the backyard & a second 4pc bathroom completes the main floor. The above grade lower level, which has in-law suite potential, consists of a over sized foyer W/separate entrance from the outside of the home along with another entrance from the B/Igarage. This level also boasts the Third Bedroom of the house, a 4pc bathroom, separate laundry room and a large great room. Walkout from the great room leads to fully fenced backyard with pergola, relaxing outdoor TV viewing area for entertaining and a cedar tiki bar shed that is definitely worth viewing can be used as a garden shed, a bar or just a relaxing quiet place. Beautiful gardens and no maintenance artificial grass complete the backyard. Location can't be beat: Quiet Family friendly Street, Close to Whitby Mall, Groceries, Transit, Go Station & Oshawa Center.
MississaugaInvestor.ca
139 Oceanpearl Crescent
Detached · 3bd/3ba · ~1,750 sqft
$834,900
Cash-Flow Report · July 31, 2026
Cap Rate
2.85%
Monthly Cash Flow
-$1,860/mo
Estimated Rent
$3,840/mo
Cash-on-Cash
-12.19%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,840 |
| Mortgage | −$3,843 |
| Property Tax | −$744 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$696 |
| Vacancy (5%) | −$192 |
| Cash Flow | -$1,860/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,080 |
| Vacancy (5%) | −$2,304 |
| Property Tax | −$8,933 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,349 |
| Annual NOI | $23,794 |
| Cap Rate | 2.85% |
Cash Required to Close
| Down Payment (20%) | $166,980 |
| Ontario Land Transfer Tax | $13,173 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $183,153 |
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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