426 Brock Street N, Whitby

$824,000
426 Brock Street N

$824,000

Price Change
29d
Att/Row/Townhouse2-Storey

426 Brock Street N, Whitby

Total Monthly Obligation $4,103

Beds
4
Baths
4
Park
2
Sqft
1500-2000
DOM
29d
Score
17
Yield
4.3%
Cash on Cash
-5.3%
Cap Rate
3.4%
5Y IRR
11.4%
10Y IRR
11.3%
Property Type-Att/Row/Townhouse
MLS® Number-E13826540
Beds-4
Bathrooms-4
Size-1500-2000 sqft
Lot Size-19.69 × 118.08 ft
Listed on site-Sep 24, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Age-16-30
Taxes-$4,849 (2026)
Parking-3 - Detached
Basement-Apartment, Finished with Walk-Out
Heating-Forced Air (Gas)
Brokerage-RE/MAX ROUGE RIVER REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-West
Exterior-Stone, Board & Batten
Roof-Asphalt Shingle
Foundation-Unknown
Sewer-Sewer
Possession-Flexible
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

Welcome to this turnkey, luxury freehold townhome in the heart of Downtown Whitby! This completely reimagined, open-concept home offers the spacious feel of a large detached property with the ultimate perk: zero maintenance fees and no grass to cut. Every inch of this carpet-free interior (except lower stairs) has a premium list of 2025 updates (95K spent in the past year). Enjoy smooth ceilings (no popcorn!), brand-new flooring, fresh paint, modern interior doors, upgraded hardware, new chic light fixtures throughout, lower level entrance walls. The mechanicals are entirely worry-free with new (2025) energy efficient furnace and A/C units. The main level is an entertainer's dream, boasting a fully open-concept layout centred with a newly updated modern and cozy, gas fireplace. The modern kitchen is a chef's delight, with extended quartz countertops, a deep basin sink, stylish ceramic backsplash, and all-new stainless steel appliances(all 2025). Up the new oak stained open staircase- you will find three generous bedrooms. The primary retreat features a large walk-in closet, an additional single closet, dramatic floor-to-ceiling arched window and a 4-piece ensuite with a fully remodeled custom bath and shower. All bathrooms feature new vanities, flooring, and fixtures. The Lower level offers a unique bonus: a full in-law suite (or business location) with its own separate front entrance, second kitchen, and an extra-large bedroom/Service room -perfect for extended family, grown children or small business. Unique zoning allows for a wide range of business opportunities to be operated here from. Similar local units rent for approximately $1,700+/month! Step out your gated back yard steps away from a fantastic play and splash park. You are walking distance to downtown's prime shops, top-tier restaurants, bars, and the vibrant summer farmer's market. Commuting is a breeze, located just minutes from the 401, 407, and the Whitby GO Station. Just move in and enjoy!

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%
%
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$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$659,200
Land Transfer Taxes$12,955
Legal Fees (Est.)
$
Total cash required for closing$179,255

Total Monthly Obligation

$4,103/mo
Mortgage $3,324
Monthly Loss $3,228
Principal$875
Interest$2,449
Property Tax$404
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.8%17
Cash-on-Cash
-9.6%1
5-Year IRR
8.0%23
10-Year IRR
9.0%
Returns Index
12.9/ 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
$35,760/yr
NOI
$22,835/yr
Net Cash Flow
-$1,421/mo
Cash Margin
-47.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.576
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo37
Risk Index
20.6/ 100

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

Comparables

Properties near 426 Brock Street N

Time

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Data last updated within the past 24 hours.