409 Gilbert Street E, Whitby

$839,900
409 Gilbert Street E

$839,900

New
8d
Detached2-Storey

409 Gilbert Street E, Whitby

Total Monthly Obligation $4,342

Beds
4
Baths
3
Park
4
Sqft
2000-2500
DOM
8d
Score
18
Yield
5.0%
Cash on Cash
-3.5%
Cap Rate
3.8%
5Y IRR
12.8%
10Y IRR
12.4%
Property Type-Detached
MLS® Number-E14078270
Beds-4
Bathrooms-3
Size-2000-2500 sqft
Lot Size-60.9 × 163.08 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Detached
Taxes-$6,954 (2025)
Parking-6 - Attached
Basement-Full
Heating-Forced Air (Gas)
Brokerage-Keller Williams Energy Real Estate
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

Welcome to this cherished family home in the heart of downtown Whitby, lovingly cared for by its original owners. Offering 4 spacious bedrooms, 3 bathrooms, and set on an impressive 163-foot deep lot, this home is ready for a new family to create lasting memories.Inside, you'll find generous living spaces designed for everyday family life, while outside, the expansive backyard, with deck boards all replaced last year, offers plenty of room for children to play, family gatherings, summer barbecues, and future possibilities. The pride of ownership is evident throughout, reflecting years of care and attention.Perfectly located in a mature, family-friendly neighbourhood, you'll enjoy being just minutes from schools, parks, churches, shopping, restaurants, the GO Train, and Highway 401, making commuting and daily errands effortless. This is a rare opportunity to put down roots in a home that has been the backdrop for a lifetime of family memories and is ready to welcome its next chapter. Upgrades: Two new toilets upstairs bathroom. Windows at back of house Approx. 2023, Furnace and Ac Approx. 2021 - maintained yearly, Shingles 2012, Deck boards all replaced last year.

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

Closing Costs

Mortgage Amount
$671,920
Land Transfer Taxes$13,273
Legal Fees (Est.)
$
Total cash required for closing$182,753

Total Monthly Obligation

$4,342/mo
Mortgage $3,388
Monthly Loss $3,451
Principal$892
Interest$2,496
Property Tax$580
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-8.0%1
5-Year IRR
9.4%31
10-Year IRR
10.1%
Returns Index
16.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$41,928/yr
NOI
$26,281/yr
Net Cash Flow
-$1,198/mo
Cash Margin
-34.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.658
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo35
Risk Index
20.4/ 100

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

Comparables

Properties near 409 Gilbert Street E

Time

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