521 Hickory Avenue N, Whitby

$899,999
521 Hickory Avenue N

$899,999

New
28d
Detached2-Storey

521 Hickory Avenue N, Whitby

Total Monthly Obligation $4,501

Beds
3
Baths
4
Park
2
Sqft
1500-2000
DOM
28d
Score
17
Yield
4.1%
Cash on Cash
-6.6%
Cap Rate
3.2%
5Y IRR
10.3%
10Y IRR
10.5%
Property Type-Detached
MLS® Number-E13830532
Beds-3
Bathrooms-4
Size-1500-2000 sqft
Lot Size-29.04 × 180.94 ft
Listed on site-Sep 25, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,944.71 (2026)
Parking-3 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-RARE REAL ESTATE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Brick, Concrete
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-30-60 flex
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

Welcome home to this beautifully renovated 3-bedroom, 4-bathroom gem in the heart of downtown Whitby, sitting on a 180 FT lot with over 2300 SF of combined living space! Completely stripped down to the studs and newly renovated from top to bottom with a functional, modern layout. The main floor offers an open-concept kitchen with a dedicated breakfast nook, plus generous living and dining areas that flow seamlessly out to the backyard, along with a convenient powder room. Upstairs, find three spacious bedrooms, including a primary with its own ensuite and walk in closet, plus a large, well-appointed main bathroom. The finished basement impresses with high ceilings, a spacious entertainment area, and a fourth full bathroom - ideal for guests or movie nights. Outside, enjoy a deep, beautifully landscaped ravine backyard with interlocking stone and room to entertain, plus charming curb appeal up front with 1 garage and 2 driveway parking spaces. All this just steps from the shops, cafes, and restaurants of historic downtown Whitby. Move-in ready and waiting for you!

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

Closing Costs

Mortgage Amount
$719,999
Land Transfer Taxes$14,475
Legal Fees (Est.)
$
Total cash required for closing$195,975

Total Monthly Obligation

$4,501/mo
Mortgage $3,630
Monthly Loss $3,545
Principal$955
Interest$2,675
Property Tax$495
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-10.7%1
5-Year IRR
7.2%19
10-Year IRR
8.4%
Returns Index
10.9/ 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
$36,972/yr
NOI
$22,830/yr
Net Cash Flow
-$1,728/mo
Cash Margin
-56.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.525
LTV Ratio
80.0%18
Vacancy Buffer
2.1 mo34
Risk Index
19.0/ 100

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

Comparables

Properties near 521 Hickory Avenue N

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.