
176 Sawmill Valley Drive, Newmarket
Newmarket
$999,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX PRIME PROPERTIES
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
3
Days on Market
17
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Dreaming of a spacious bungalow with a finished walk-out basement in one of Newmarket's most sought-after neighbourhoods? Welcome to 176 Sawmill Valley Dr. Nestled in the desirable Summerhill Estates community, this beautifully maintained 3+2 bedroom bungalow offers over 3,000 sq. ft. of finished living space with exceptional in-law suite or income potential. Designed for the ease of main-floor living, the home features three bedrooms on the main level, hardwood flooring throughout, generous principal rooms, and a warm, inviting living room with a cozy gas fireplace. Direct garage access adds everyday convenience. The fully finished open-concept walk-out basement with a separate entrance offers incredible flexibility, complete with a full kitchen, full bathroom, spacious living area, two additional bedrooms, and ample storage space for extended family, guests, or rental opportunities. Ideally located close to parks, top-rated schools, shopping, restaurants, transit, and all the amenities Newmarket has to offer, this home combines a functional layout, versatile living space, and an unbeatable location-an exceptional opportunity for families, downsizers, multi-generational living, or savvy investors. Some basement photos virtually staged to show potential.
MississaugaInvestor.ca
176 Sawmill Valley Drive
Detached · 5bd/3ba · ~1,750 sqft
$999,900
Cash-Flow Report · July 31, 2026
Cap Rate
3.15%
Monthly Cash Flow
-$1,978/mo
Estimated Rent
$4,595/mo
Cash-on-Cash
-10.82%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,595 |
| Mortgage | −$4,602 |
| Property Tax | −$683 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$833 |
| Vacancy (5%) | −$230 |
| Cash Flow | -$1,978/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$55,140 |
| Vacancy (5%) | −$2,757 |
| Property Tax | −$8,199 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,999 |
| Annual NOI | $31,485 |
| Cap Rate | 3.15% |
Cash Required to Close
| Down Payment (20%) | $199,980 |
| Ontario Land Transfer Tax | $16,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $219,453 |
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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