
45 Humberstone Drive, Halton Hills
Halton Hills
$936,400
Cash flow, cap rate & mortgage breakdown
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Listed by UPSTATE REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
4
Bathrooms
4
Days on Market
23
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,250/mo
Estimated from market price-to-rent ratios
Remarks
Experience luxury living in this end-unit freehold townhome located in the sought-after Trafalgar Square community. Offering approximately 2,092 sq. ft. of beautifully upgraded living space, the popular Scotsdale model features 3+1 bedrooms and 4 bathrooms.**No sidewalk** allows for additional driveway parking, adding everyday convenience. The oversized single-car garage also provides direct access to the home. The main floor showcases an open-concept layout with a modern kitchen featuring quartz countertops, a center island, and a spacious dining area with a walk-out to the private deck. The bright and inviting living room is filled with natural light through large windows. The versatile lower level includes a spacious recreation room with a walk-out to the backyard patio-perfect as a home office, gym, or additional living space. Upstairs, the primary bedroom offers a walk-in closet and a luxurious ensuite with a glass walk-in shower. Two additional generously sized bedrooms feature large windows and ample closet space. Ideally situated close to schools, parks, shopping, public transit, and major highways, this exceptional home combines modern design, comfort, and everyday convenience. Close to Highway 401, 10 Mins to GO Station and shopping centre.
MississaugaInvestor.ca
45 Humberstone Drive
Att/Row/Townhouse · 4bd/4ba · ~2,250 sqft
$936,400
Cash-Flow Report · July 31, 2026
Cap Rate
1.82%
Monthly Cash Flow
-$2,891/mo
Estimated Rent
$3,250/mo
Cash-on-Cash
-16.88%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,250 |
| Mortgage | −$4,310 |
| Property Tax | −$663 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$780 |
| Vacancy (5%) | −$163 |
| Cash Flow | -$2,891/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$39,000 |
| Vacancy (5%) | −$1,950 |
| Property Tax | −$7,959 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,364 |
| Annual NOI | $17,027 |
| Cap Rate | 1.82% |
Cash Required to Close
| Down Payment (20%) | $187,280 |
| Ontario Land Transfer Tax | $15,203 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $205,483 |
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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