
174 St Vincent Street, Barrie
Barrie
$599,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX HALLMARK CHAY REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,750/mo
Estimated from market price-to-rent ratios
Remarks
Discover the charm of this all-brick raised bungalow, ideally situated on a mature, tree-lined lot in one of Barrie's most convenient central neighbourhoods. Just minutes from Highway 400, downtown Barrie, Kempenfelt Bay, waterfront trails, parks, shopping, and restaurants, this home offers an exceptional blend of comfort, character, and location.The bright and inviting main level features a functional layout with large windows that fill the home with natural light, neutral finishes, and spacious principal rooms. The living and dining areas provide plenty of space for entertaining, while the sun-filled four-season sunroom creates the perfect spot to enjoy your morning coffee or unwind year-round. Two generously sized bedrooms and a well-appointed bathroom complete the main floor.The fully renovated finished lower level expands the living space with a large recreation room, a second full bathroom, an additional bedroom ideal for guests, extended family or a home office, plus a dedicated workshop and abundant storage for hobbies and seasonal items.Outside, enjoy a private backyard surrounded by mature trees, offering plenty of room to relax, entertain, or spend time with family. With parking for up to four vehicles and a desirable detached bungalow layout, this home is ideal for first-time buyers, downsizers, investors, or anyone looking for additional living space in a sought-after Barrie location.An outstanding opportunity to own an affordable detached home close to Barrie's vibrant downtown, waterfront, schools, transit, and commuter routes.
MississaugaInvestor.ca
174 St Vincent Street
Detached · 4bd/2ba · ~900 sqft
$599,900
Cash-Flow Report · July 31, 2026
Cap Rate
2.63%
Monthly Cash Flow
-$1,449/mo
Estimated Rent
$2,750/mo
Cash-on-Cash
-13.23%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,750 |
| Mortgage | −$2,761 |
| Property Tax | −$575 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$500 |
| Vacancy (5%) | −$138 |
| Cash Flow | -$1,449/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$33,000 |
| Vacancy (5%) | −$1,650 |
| Property Tax | −$6,899 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$5,999 |
| Annual NOI | $15,752 |
| Cap Rate | 2.63% |
Cash Required to Close
| Down Payment (20%) | $119,980 |
| Ontario Land Transfer Tax | $8,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $131,453 |
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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