
5C James Street, Halton Hills
Halton Hills
$929,000
Cash flow, cap rate & mortgage breakdown
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Listed by ROYAL LEPAGE MEADOWTOWNE REALTY
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
3
Days on Market
4
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$2,900/mo
Estimated from market price-to-rent ratios
Remarks
Welcome home to 5C James Street, nestled in one of Georgetown's most coveted neighbourhoods, just steps from Historic Main Street's family-owned cafés, boutiques, restaurants and the seasonal Farmers' Market. This rarely offered townhouse features 3 bedrooms, 3 bathrooms and exceptional pride of ownership throughout. The sun-filled main floor offers 9-foot ceilings, engineered hardwood flooring and an open-concept layout. The beautifully appointed kitchen features quartz countertops, stainless steel appliances and a breakfast bar. The inviting living room includes a natural gas fireplace and overlooks the spacious terrace. An electric awning and natural gas BBQ hookup make the outdoor space ideal for dining and entertaining. Upstairs, two spacious bedrooms each feature a walk-in closet and private ensuite with quartz countertops. Filled with natural light from a charming Juliet balcony, the third-floor loft offers ample space for a guest bedroom, home office and sitting area. The partially finished basement provides additional living space, a bathroom rough-in and direct access to the garage. Schools, parks, the library, theatre and GO Station are all within walking distance. Combining sophistication, convenience and low-maintenance living, this exceptional home offers an enviable lifestyle in the heart of Georgetown. ** Some images have been virtually staged **
MississaugaInvestor.ca
5C James Street
Att/Row/Townhouse · 3bd/3ba · ~1,750 sqft
$929,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.42%
Monthly Cash Flow
-$3,178/mo
Estimated Rent
$2,900/mo
Cash-on-Cash
-18.71%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,900 |
| Mortgage | −$4,276 |
| Property Tax | −$658 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$774 |
| Vacancy (5%) | −$145 |
| Cash Flow | -$3,178/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$34,800 |
| Vacancy (5%) | −$1,740 |
| Property Tax | −$7,897 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,290 |
| Annual NOI | $13,173 |
| Cap Rate | 1.42% |
Cash Required to Close
| Down Payment (20%) | $185,800 |
| Ontario Land Transfer Tax | $15,055 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $203,855 |
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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