
117 Brown Street, Barrie
Barrie
$899,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX HALLMARK CHAY REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
3
Days on Market
35
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
Welcome to 117 Brown St, a thoughtfully updated all-brick bungalow in Barrie's sought after Holly community. The home offers exceptional flexibility with multi-generational living options and almost $100k invested in maintenance and upgrades over the past 5 years. Designed for comfort and functionality, the main level features 3 spacious bedrooms, 2 bathrooms, hardwood and natural stone flooring, a cozy natural gas fireplace, updated light fixtures (2023), and a bright, inviting layout. The kitchen includes stainless steel appliances, newer fridge (2022), and patio doors (2022) leading to a private backyard retreat with an inground pool, hot tub, and expansive entertaining space. The fully finished lower level, currently used as an in-law suite, offers a separate entrance, 2 additional bedrooms, full bathroom, large recreation area with a second gas fireplace, and a functional kitchenette (2021) ideal for extended family, guests, independent living, or income potential. Outside, enjoy the warmer months to the fullest in the beautifully designed backyard. Exceptional for entertaining or relaxing with family and friends, the yard features a heated in-ground pool with newer liner (2023), newer pump (2022), winter safety cover, hot tub (2023), and plenty of space to gather, dine, and unwind. Enhanced curb appeal includes updated hardscaping, new driveway, stairs and porch (2021), front window and door (2026), plus new windows in all 5 bedrooms and laundry room (2022). Major upgrades include AC (2022), 200-amp electrical panel (2023), basement egress windows (2022), gutters (2022), roof (2018), sump pump (2026), and numerous additional improvements throughout. Complete with a 2-car garage and ideally situated close to parks, schools, shopping, commuter routes, and everyday amenities, this move-in-ready property delivers the perfect combination of space, flexibility, lifestyle, and pride of ownership for growing and multi-generational families alike.
MississaugaInvestor.ca
117 Brown Street
Detached · 5bd/3ba · ~1,300 sqft
$899,900
Cash-Flow Report · August 3, 2026
Cap Rate
2.99%
Monthly Cash Flow
-$1,899/mo
Estimated Rent
$4,295/mo
Cash-on-Cash
-11.54%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,295 |
| Mortgage | −$4,142 |
| Property Tax | −$862 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$750 |
| Vacancy (5%) | −$215 |
| Cash Flow | -$1,899/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$51,540 |
| Vacancy (5%) | −$2,577 |
| Property Tax | −$10,349 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,999 |
| Annual NOI | $26,915 |
| Cap Rate | 2.99% |
Cash Required to Close
| Down Payment (20%) | $179,980 |
| Ontario Land Transfer Tax | $14,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $197,453 |
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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