63 Oxford Street, Richmond Hill
Richmond Hill
$1,299,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX HALLMARK REALTY LTD.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
1
Days on Market
114
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$4,000/mo
Estimated from market price-to-rent ratios
Remarks
Exceptional opportunity in Richmond Hill's highly sought-after Mill Pond community. Situated on a premium 51 x 140 ft lot with excellent frontage and depth, this property offers a rare combination of comfortable current living, long-term investment value, and future redevelopment potential. Enjoy a convenient central location close to Yonge Street, shopping, restaurants, supermarkets, Mackenzie Health Hospital, Mill Pond Park, scenic trails, public transit, and major commuter routes. Located within a highly regarded school district and surrounded by established homes and impressive custom-built residences. Ideal for end-users looking to move in and enjoy the home today, investors seeking a strong long-term holding opportunity, or buyers planning to build a custom dream home in the future. Property is being sold in "as-is, where-is" condition. Buyer and buyer's agent to conduct their own due diligence regarding zoning, permits, redevelopment potential, and applicable municipal requirements.
MississaugaInvestor.ca
63 Oxford Street
Detached · 4bd/1ba · ~1,300 sqft
$1,299,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.58%
Monthly Cash Flow
-$4,266/mo
Estimated Rent
$4,000/mo
Cash-on-Cash
-17.95%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,000 |
| Mortgage | −$5,979 |
| Property Tax | −$779 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,083 |
| Vacancy (5%) | −$200 |
| Cash Flow | -$4,266/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$48,000 |
| Vacancy (5%) | −$2,400 |
| Property Tax | −$9,353 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$12,990 |
| Annual NOI | $20,557 |
| Cap Rate | 1.58% |
Cash Required to Close
| Down Payment (20%) | $259,800 |
| Ontario Land Transfer Tax | $22,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $285,255 |
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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