511 Centre Street S, Whitby

$1,399,900
511 Centre Street S

$1,399,900

New
28d
Detached2 1/2 Storey

511 Centre Street S, Whitby

Total Monthly Obligation $6,592

Beds
4
Baths
4
Park
5
Sqft
1500-2000
DOM
28d
Score
15
Yield
3.1%
Cash on Cash
-10.3%
Cap Rate
2.4%
5Y IRR
7.5%
10Y IRR
8.3%
Property Type-Detached
MLS® Number-E13830758
Beds-4
Bathrooms-4
Size-1500-2000 sqft
Lot Size-58.68 × 136 ft
Listed on site-Sep 25, 2026
Style-2 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$6,843.33 (2026)
Parking-6 - Detached
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-TANYA TIERNEY TEAM REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-Inground
Facing-East
Exterior-Brick
Roof-Shingles
Foundation-Unknown
Sewer-Sewer
Possession-Flexible
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

INCREDIBLE century home in highly sought-after Olde Whitby, blending timeless charm & character with exceptional modern updates! Upgraded top to bottom with immaculate finishes, custom millwork, crown moulding, pot & sconce lighting, built-in speakers, shiplap & thoughtful details throughout. Set on a manicured 58 x 136 ft lot with lush gardens, ample parking, cozy front porch & detached garage with 6.64 x 4.39 m workshop addition. The private backyard oasis features a wrought-iron-gated inground pool, custom pool house, natural stone patio, mature trees, pergola, gazebo & ambient exterior lighting. Inside feels straight from the pages of a magazine! Elegant living room with wainscotting & front garden views. Formal dining room with stunning waffle ceiling. Gourmet kitchen with granite counters, subway tile backsplash, extended cabinetry, under & in-cabinet lighting, pantry, breakfast bar & breakfast nook with built-in chef's desk, seating & garden-door walkout to the backyard. Convenient anteroom with heated ceramic floors & picturesque garden views. Upstairs offers 3 generous bedrooms with closet organizers, including a beautiful primary retreat with beamed ceiling & shiplap detail. Fabulous loft provides additional living space with gas fireplace, built-in bookcase & desk, 2pc bath, vaulted ceiling & skylight-perfect for a home office, study or 4th bedroom. Finished basement with separate side entry, rec room, built-in closet, 3pc bath, above-grade windows, laundry & ample storage. Homes like this rarely come to market! Steps to parks, schools & transit, with easy Hwy 401 access, GO Train & close to downtown Whitby shops, restaurants & amenities. A truly special home!

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

Closing Costs

Mortgage Amount
$1,119,920
Land Transfer Taxes$24,473
Legal Fees (Est.)
$
Total cash required for closing$305,953

Total Monthly Obligation

$6,592/mo
Mortgage $5,647
Monthly Loss $5,106
Principal$1,486
Interest$4,161
Property Tax$570
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.9%12
Cash-on-Cash
-13.5%0
5-Year IRR
5.0%11
10-Year IRR
6.7%
Returns Index
6.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
15/ 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
$42,696/yr
NOI
$27,083/yr
Net Cash Flow
-$3,390/mo
Cash Margin
-95.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.403
LTV Ratio
80.0%18
Vacancy Buffer
1.5 mo23
Risk Index
14.8/ 100

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

Comparables

Properties near 511 Centre Street S

Time

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