409 Harris Street, Whitby

$949,900
409 Harris Street

$949,900

New
30d
Detached2-Storey

409 Harris Street, Whitby

Total Monthly Obligation $4,729

Beds
4
Baths
3
Park
2
Sqft
2000-2500
DOM
30d
Score
17
Yield
4.3%
Cash on Cash
-5.5%
Cap Rate
3.4%
5Y IRR
11.2%
10Y IRR
11.2%
Property Type-Detached
MLS® Number-E13818190
Beds-4
Bathrooms-3
Size-2000-2500 sqft
Lot Size-29.53 × 114.86 ft
Listed on site-Sep 23, 2026
Style-2-Storey
Building Type-Detached
Taxes-$6,274 (2025)
Parking-3 - Attached
Basement-Finished with Walk-Out
Heating-Forced Air (Gas)
Brokerage-Keller Williams Energy Real Estate
Cooling-Central Air
Laundry-No
Fireplace-Living Room
Pool-None
Facing-East
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-60 Days
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

Exceptional space, quality craftsmanship and an incredible downtown Whitby location set the stage for this impressive Denoble-built home, tucked within an intimate boutique community & offering approximately 2,105 sq ft plus a finished W/O basement with excellent in-law suite potential. With 4 spacious bedrms & 3 bathrms, this home delivers the room today's families are looking for.Step inside to a bright, inviting main floor where beautiful H/W flooring & an O/C design create an effortless flow for everyday living & entertaining. The generous dining room opens seamlessly to the living room, anchored by a cozy gas fireplace & finished with California shutters.At the heart of the home, the Eat-in kitchen combines style & function with granite counters, S/S appliances, extended cabinetry, a pantry & spacious breakfast area with W/O to the two-tier deck, interlocking patio & fully fenced backyard, perfect for summer dining, entertaining or simply unwinding outdoors. A 2-pc bath, main-floor laundry with laundry chute & direct garage access complete this level.An updated hardwood staircase with striking cast-iron spindles leads upstairs, where 4 spacious bedrooms provide plenty of room for the entire family.The generous primary retreat features a W/I closet & 5-pc ensuite, while 3 additional spacious bedrms & a 4-pc family bath complete the upper level. And there's more. The finished W/O basement significantly extends the living space & offers potential for an in-law suite or multi-generational living. Featuring a large rec room, pot lights, cantina, abundant storage, rough in for bathroom & direct access to the backyard, there's plenty of flexibility to create additional living, work or guest space.California shutters add a polished finishing touch throughout. Ideally located near parks, schools, shopping & dining, with convenient access to Hwy 401 & the GO Train.Space to grow. Room to gather. Flexibility for the future. This is downtown Whitby living at its best

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$759,920
Land Transfer Taxes$15,473
Legal Fees (Est.)
$
Total cash required for closing$206,953

Total Monthly Obligation

$4,729/mo
Mortgage $3,832
Monthly Loss $3,721
Principal$1,008
Interest$2,823
Property Tax$523
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.8%17
Cash-on-Cash
-9.6%1
5-Year IRR
8.1%23
10-Year IRR
9.1%
Returns Index
13.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$41,292/yr
NOI
$26,389/yr
Net Cash Flow
-$1,633/mo
Cash Margin
-47.4%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.576
LTV Ratio
80.0%18
Vacancy Buffer
2.0 mo32
Risk Index
18.7/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 409 Harris Street

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