
4 McPhail Court, Markham
Markham
$1,780,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX REALTRON LUCKY PENNY HOMES REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
4
Days on Market
56
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$4,800/mo
Estimated from market price-to-rent ratios
Remarks
Location, Location, Location! Nestled in a tranquil oasis neighborhood in the heart of Markham, this charming 4+1 bedroom detached home sits on a rare 54x120-foot lot backs onto a peaceful ravine. Surrounded by lush greenery, the home offers a serene, forested backdrop, creating a private retreat full of natural beauty. The main floor boasts a functional layout with a graceful circular staircase, complemented by park-like landscaped gardens with underground irrigation and an interlocking patio, seamlessly accessible from both the breakfast and family rooms. The extra-large living room features new LED lights and is bathed in natural light from a picture window overlooking the south facing front yard, seamlessly connecting to the formal dining room. The heart of the home is the family kitchen, which includes a spacious sun-filled breakfast area framed by large picturesque windows that showcase breathtaking ravine views. With easy access to the backyard, the family room also boasts a modernized fireplace and upgraded built-in cabinets, creating a warm, inviting space for gatherings. The second floor offers four generously sized bedrooms with ample built-in storage. The serene primary suite includes a 4-piece ensuite and a walk- in closet. The finished basement adds even more living space, featuring an open-concept recreation room, an extra bedroom, a four-piece bath, and an exercise area (which could be converted into another bedroom at the buyer's own cost). The professionally landscaped backyard, backing directly onto the ravine, is a true havena peaceful escape where the natural beauty of the forest blends with the warmth and comfort of this inviting home. Within walking distance to First Markham Place, shopping plazas, restaurants, and public transit, this home offers the perfect balance of serenity and convenience.
MississaugaInvestor.ca
4 McPhail Court
Detached · 5bd/4ba · ~2,250 sqft
$1,780,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.24%
Monthly Cash Flow
-$6,350/mo
Estimated Rent
$4,800/mo
Cash-on-Cash
-19.48%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,800 |
| Mortgage | −$8,193 |
| Property Tax | −$1,009 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,483 |
| Vacancy (5%) | −$240 |
| Cash Flow | -$6,350/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$57,600 |
| Vacancy (5%) | −$2,880 |
| Property Tax | −$12,104 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$17,800 |
| Annual NOI | $22,116 |
| Cap Rate | 1.24% |
Cash Required to Close
| Down Payment (20%) | $356,000 |
| Ontario Land Transfer Tax | $32,075 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $391,075 |
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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