
95 Penstock Court, Richmond Hill
Richmond Hill
$3,249,000
Cash flow, cap rate & mortgage breakdown
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Listed by SUTTON GROUP-ADMIRAL REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
6
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$6,350/mo
Estimated from market price-to-rent ratios
Remarks
Luxury, technology and thoughtful design come together at 95 Penstock Court. A custom-built detached home offering 3,826 sqft. on a 9,688 sqft. lot with seven-car parking, nestled on a quiet Mill Pond cul-de-sac. Herringbone hardwood, pot lights & built-in speakers flow throughout, complemented by Control4 automation for the garage doors, lighting, climate & Somfy blinds, plus Ring security monitoring & wired CCTV. A snow-melt driveway leads to a heated epoxy-floor garage with slat walls and EV charger, while the adjoining mudroom features custom storage & a pet-washing station. The main floor includes an office with built-in bookcases & walk-in closet; an expansive living room with an electric fireplace, ceiling fan, TV mount & shelving; and a chef's kitchen with quartz counters, centre island, bar fridge, gas countertop range, built-in oven, stainless steel appliances & a concealed pantry with shelving & second fridge. Sliding doors from the living & dining areas open to a concrete patio with built-in BBQ, above terrace provides awning & a spacious fenced backyard with playground perfect for entertaining. Upstairs, the primary bedroom offers a walk-in closet which connects to a luxurious 5-piece ensuite with soaker tub, frameless glass shower & double sink vanity & a large private rooftop terrace overlooking the backyard; another bedroom has a walk-in closet & 3-piece ensuite, while two bedrooms share a 5-piece semi-ensuite. A laundry room on the second floor adds convenience. Bright above-grade windows enhance the finished basement complete with a recreation room, bedroom with 3-piece ensuite, second quartz counter kitchen, another 3-piece bathroom with sauna & a golf-simulator room that doubles as a home theatre with bar fridge & built-in speakers. All bathrooms feature bidets, while the owned tankless water heater, two furnaces and two air conditioners eliminate rental fees. Close to shopping, dining, parks, schools, golf, YRT/Viva, GO Transit & HWY 407.
MississaugaInvestor.ca
95 Penstock Court
Detached · 5bd/6ba · ~4,250 sqft
$3,249,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.42%
Monthly Cash Flow
-$13,805/mo
Estimated Rent
$6,350/mo
Cash-on-Cash
-22.99%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$6,350 |
| Mortgage | −$14,955 |
| Property Tax | −$1,949 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$2,708 |
| Vacancy (5%) | −$318 |
| Cash Flow | -$13,805/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$76,200 |
| Vacancy (5%) | −$3,810 |
| Property Tax | −$23,393 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$32,490 |
| Annual NOI | $13,807 |
| Cap Rate | 0.42% |
Cash Required to Close
| Down Payment (20%) | $649,800 |
| Ontario Land Transfer Tax | $67,700 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $720,500 |
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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