45 Centre Street, Clarington

$699,900
45 Centre Street

$699,900

New
16d
DetachedBungalow

45 Centre Street, Clarington

Total Monthly Obligation $3,577

Beds
3
Baths
2
Park
6
Sqft
1100-1500
DOM
16d
Score
20
Yield
5.3%
Cash on Cash
-1.6%
Cap Rate
4.2%
5Y IRR
14.3%
10Y IRR
13.6%
Property Type-Detached
MLS® Number-E13874466
Beds-3
Bathrooms-2
Size-1100-1500 sqft
Lot Size-83.19 × 146.71 ft
Listed on site-Oct 7, 2026
Style-Bungalow
Building Type-Detached
Taxes-$4,541.5 (2026)
Parking-6 - None
Basement-Finished
Heating-Forced Air (Oil)
Brokerage-Real Broker Ontario Ltd.
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Unknown
Sewer-Septic
Possession-Flexible
Neighbourhood-Bowmanville
Title-Residential Freehold

No agent assigned

Tucked away in the heart of historic Bowmanville, this charming bungalow offers complete privacy on a secluded , approximately 0.23-acre lot while keeping you just steps from all the conveniences of town. Surrounded by mature trees, you'll feel like you're at the cottage as you relax to the peaceful sounds of nature from one of two decks. Step inside to a large, welcoming foyer with tile flooring. The bright kitchen features stainless steel appliances, a tile backsplash, plenty of cupboard space, tile floors, and a window over the sink with tranquil views of the yard. The separate dining room offers laminate flooring and elegant French doors, creating the perfect space for family dinners or entertaining. The inviting living room also features laminate flooring and a walk-out to the deck, seamlessly blending indoor and outdoor living. The main floor offers two generous bedrooms, while the finished basement provides valuable additional living space with a spacious rec room featuring an above-grade window, a third bedroom, and an abundance of storage. Enjoy the rare combination of total seclusion and unbeatable convenience. Stroll into downtown Bowmanville to explore local shops, restaurants, cafes, banks, grocery stores, and more. Commuters will appreciate the easy access to Highway 401, making travel simple while still coming home to your own private retreat. This is a unique opportunity to enjoy peaceful, cottage-like living in the middle of historic Bowmanville.

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

Closing Costs

Mortgage Amount
$559,920
Land Transfer Taxes$10,473
Legal Fees (Est.)
$
Total cash required for closing$151,953

Total Monthly Obligation

$3,577/mo
Mortgage $2,823
Monthly Loss $2,834
Principal$743
Interest$2,080
Property Tax$378
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.4%22
Cash-on-Cash
-6.5%2
5-Year IRR
10.5%39
10-Year IRR
11.0%
Returns Index
20.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 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
$36,828/yr
NOI
$24,104/yr
Net Cash Flow
-$815/mo
Cash Margin
-26.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7110
LTV Ratio
80.0%18
Vacancy Buffer
2.7 mo44
Risk Index
24.1/ 100

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

Comparables

Properties near 45 Centre Street

Time

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