540 Mary Street E 1-4, Whitby

$379,900
540 Mary Street E 1-4

$379,900

New
15d
Condo ApartmentApartment

540 Mary Street E 1-4, Whitby

Total Monthly Obligation $2,492

Beds
3
Baths
1
Park
1
Sqft
1000-1199
DOM
15d
Score
38
Yield
9.6%
Cash on Cash
10.1%
Cap Rate
6.8%
5Y IRR
23.8%
10Y IRR
21.5%
Property Type-Condo Apartment
MLS® Number-E13877280
Beds-3
Bathrooms-1
Size-1000-1199 sqft
Listed on site-Oct 8, 2026
Style-Apartment
Building Type-Condo Apartment
Age-51-99
Taxes-$2,318 (2026)
Maintenance-$566.04/mo
Locker-Owned
Parking-1 - None
Basement-None
Heating-Baseboard (Electric)
Brokerage-Royal LePage Real Estate Associates
Cooling-Wall Unit(s)
Laundry-No
Fireplace-Living Room
Pool-None
Exterior-Aluminum Siding
Roof-Shingles
Foundation-Brick
Possession-Immediate/Flexiable
Neighbourhood-Downtown Whitby
Title-Residential Condo & Other

No agent assigned

Welcome to 540 Mary St E, Unit 1-4, a spacious 3-bedroom, 1-bathroom condo offering approximately 1,150 Sq Ft of living in Downtown Whitby. A welcoming foyer opens to a great layout with distinct spaces for cooking, dining and relaxing. The living room is anchored by a fireplace, creating a comfortable setting for quiet evenings or time with friends and family. A dedicated dining room gives you a place for shared meals, and the kitchen offers a functional space for everyday cooking. Three bedrooms provide room for everyone or space to set up a home office, guest room or hobby space. A 4-piece bathroom serves the home and a full in-suite laundry room adds everyday convenience. There is plenty of storage both in-suite and in a common locker keeping things organized. One exclusive parking space is included, along with visitor parking, and the building allows BBQs and pets. The neighbourhood makes daily routines easy. Julie Payette Public School, C.E. Broughton Public School and St. Theresa Catholic School are all nearby, and bus stops along Dundas Street connect you to transit. You're steps to Downtown Whitby where there is cafés, restaurants and shops. For commuters, Whitby GO Station and Highway 401 are a short drive away. Picture yourself settling into Unit 1-4 and making Downtown Whitby part of your everyday life.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$303,920
Land Transfer Taxes$4,174
Legal Fees (Est.)
$
Total cash required for closing$81,654

Total Monthly Obligation

$2,492/mo
Mortgage $1,532
Monthly Loss $2,088
Principal$403
Interest$1,129
Property Tax$193
Condo Fees$566
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
5.6%45
Cash-on-Cash
3.6%17
5-Year IRR
18.9%89
10-Year IRR
17.9%
Returns Index
51.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
38/ 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
$36,504/yr
NOI
$21,343/yr
Net Cash Flow
$246/mo
Cash Margin
8.1%20
Cash Flow Index
20.1/ 100
Risk Profile
Weight: 20%
DSCR
1.1641
LTV Ratio
80.0%18
Vacancy Buffer
3.8 mo65
Risk Index
41.5/ 100

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

Comparables

Properties near 540 Mary Street E 1-4

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.

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Data last updated within the past 24 hours.