1013 Centre Street S, Whitby

$799,000
1013 Centre Street S

$799,000

Price Change
15d
DetachedBungalow

1013 Centre Street S, Whitby

Total Monthly Obligation $4,073

HausQ Valuation Report
Beds
4
Baths
2
Park
4
Sqft
700-1100
DOM
15d
Score
17
Yield
4.5%
Cash on Cash
-5.2%
Cap Rate
3.5%
5Y IRR
11.5%
10Y IRR
11.4%
Property Type-Detached
MLS® Number-E13875682
Beds-4
Bathrooms-2
Size-700-1100 sqft
Lot Size-50 × 145.2 ft
Listed on site-Oct 8, 2026
Style-Bungalow
Building Type-Detached
Taxes-$5,695.85 (2026)
Parking-6 - Attached
Basement-Separate Entrance, Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX PROFESSIONALS INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Board & Batten
Roof-Shingles
Foundation-Unknown
Sewer-Sewer
Possession-TBD
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

Welcome To This Beautifully Updated Bungalow In One Of Whitby's Most Sought After Family Friendly Neighbourhoods. The Stylish Interior Features Beautiful Finishes, Custom Built-Ins, A Newly Renovated Kitchen And Laminate Flooring Throughout. A Separate Side Entrance Leads To The Finished Basement, Complete With A Spacious Recreation Area, Kitchen And Bonus Room, Offering Excellent Additional Living Space. Both Bathrooms Have Been Tastefully Renovated. Outside, Enjoy Beautifully Landscaped Front Gardens, Patterned Stonework And An Oversized Garage With Hydro And Convenient Backyard Access. The Large, Private Fenced Yard Features A Two-Tiered Deck With Plenty Of Space For Relaxing, Entertaining And Outdoor Living. Ideally Located Within A 10-Minute Walk Of The Whitby GO Station And Vibrant Downtown Whitby's Fabulous Restaurants, Shops And Amenities. A Truly Move-In-Ready Home In An Unbeatable Location!

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

Closing Costs

Mortgage Amount
$639,200
Land Transfer Taxes$12,455
Legal Fees (Est.)
$
Total cash required for closing$173,755

Total Monthly Obligation

$4,073/mo
Mortgage $3,223
Monthly Loss $3,224
Principal$848
Interest$2,375
Property Tax$475
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
$35,940/yr
NOI
$22,150/yr
Net Cash Flow
-$1,377/mo
Cash Margin
-46.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.576
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo38
Risk Index
20.7/ 100

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

Comparables

Properties near 1013 Centre Street S

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.