
439 Ginger Downs, Mississauga
Mississauga Valleys · Investor guide
$959,000
Estimated Value
$799,000
Based on neighbourhood averages
Cash flow, cap rate & mortgage breakdown
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Listed by ROYAL LEPAGE SIGNATURE REALTY
Investment Analysis
Key Facts
Type
Semi-Detached
Bedrooms
5
Bathrooms
2
Days on Market
8
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Based on Mississauga Valleys neighbourhood rental data · Verify suite legality with the City of Mississauga
Remarks
Rarely offered and beautifully renovated, this exceptional semi-detached raised bungalow offers the perfect blend of style, comfort, and versatility in the heart of Mississauga Valley. Thoughtfully updated with modern finishes and functional living spaces, this turnkey home is ideal for growing families, multi-generational living, or those seeking income potential. The bright, open-concept main floor is filled with natural light and features rich hardwood flooring, designer pot lights, and spacious living and dining areas. A walkout from the dining room leads to a private balcony, perfect for morning coffee or relaxing at the end of the day. The chef-inspired kitchen showcases quartz countertops, stainless steel appliances, ample cabinetry, and contemporary finishes. Three generously sized bedrooms offer large windows and excellent closet space, while the updated five-piece bathroom features a double vanity, bathtub, body spray shower, and the convenience of main-floor laundry. The fully finished, above-grade lower level with a separate entrance provides outstanding flexibility with a spacious living area, second kitchen, two additional bedrooms, and a three-piece bathroom-ideal for extended family, guests, an in-law suite, or income potential. Enjoy a private backyard perfect for entertaining, family gatherings, or quiet evenings outdoors. Conveniently located near top-rated schools, parks, shopping, restaurants, community centres, public transit, and major highways including the 401, 427, and QEW, with Toronto Pearson International Airport just minutes away. Combining quality finishes, flexible living space, and an unbeatable location, this is a rare opportunity to own a move-in-ready home in one of Mississauga's most established neighbourhoods.
MississaugaInvestor.ca
439 Ginger Downs
Semi-Detached · 5bd/2ba · ~1,300 sqft
$959,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.4%
Monthly Cash Flow
-$1,696/mo
Estimated Rent
$4,645/mo
Cash-on-Cash
-9.67%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,645 |
| Mortgage | −$4,414 |
| Property Tax | −$671 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$799 |
| Vacancy (5%) | −$232 |
| Cash Flow | -$1,696/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$55,740 |
| Vacancy (5%) | −$2,787 |
| Property Tax | −$8,056 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,590 |
| Annual NOI | $32,607 |
| Cap Rate | 3.4% |
Cash Required to Close
| Down Payment (20%) | $191,800 |
| Ontario Land Transfer Tax | $15,655 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $210,455 |
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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