20 Millstone Crescent, Whitby

$1,099,999
20 Millstone Crescent

$1,099,999

New
8d
Detached2-Storey

20 Millstone Crescent, Whitby

Total Monthly Obligation $5,450

HausQ Valuation Report
Beds
6
Baths
4
Park
4
Sqft
2000-2500
DOM
8d
Score
16
Yield
3.8%
Cash on Cash
-8.0%
Cap Rate
2.9%
5Y IRR
9.3%
10Y IRR
9.7%
Property Type-Detached
MLS® Number-E14081640
Beds-6
Bathrooms-4
Size-2000-2500 sqft
Lot Size-45.93 × 109.91 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Detached
Taxes-$7,659 (2026)
Parking-6 - Attached
Basement-Finished, Walk-Up
Heating-Forced Air (Gas)
Brokerage-CENTURY 21 TITANS REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Wood
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-IMMED
Neighbourhood-Pringle Creek
Title-Residential Freehold

No agent assigned

Welcome To This Beautifully Updated 4+2 Bedroom, 4-Bathroom Home In Sought-After North Whitby! Featuring Fantastic Curb Appeal And Numerous Upgrades Throughout, This Home Offers The Perfect Blend Of Style, Comfort, And Functionality. The Main Floor Boasts New Flooring Throughout The Living Room, Dining Room, And Family Room, Complemented By Pot Lights Throughout And Updated Light Fixtures. The Renovated Kitchen Features Brand-New Stainless Steel Appliances, Updated Countertops, And A Stylish Backsplash, Creating The Perfect Space For Everyday Living And Entertaining. Upstairs, Enjoy A Beautifully Renovated Ensuite With A Glass Shower, A Hardwood Staircase, And New Flooring Throughout The Second Level. Brand-New Zebra Blinds Throughout The Entire Home Add A Modern Touch. Additional Highlights Include An Updated 2-Piece Powder Room And A Separate Entrance To A Legal Basement Apartment Featuring 2 Additional Bedrooms. Enjoy The Added Benefit Of Rental Income From The Basement Apartment, Making This An Excellent Opportunity For Homeowners And Investors Alike. Ideally Located Just Steps From Public And Catholic Schools, This Fantastic Property Combines Thoughtful Upgrades, Income Potential, And A Desirable North Whitby Location. A Must-See Property You Won't Want To Miss!

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

Closing Costs

Mortgage Amount
$879,999
Land Transfer Taxes$18,475
Legal Fees (Est.)
$
Total cash required for closing$239,975

Total Monthly Obligation

$5,450/mo
Mortgage $4,437
Monthly Loss $4,283
Principal$1,168
Interest$3,269
Property Tax$638
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.3%14
Cash-on-Cash
-11.7%0
5-Year IRR
6.4%16
10-Year IRR
7.8%
Returns Index
9.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$42,000/yr
NOI
$25,641/yr
Net Cash Flow
-$2,300/mo
Cash Margin
-65.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.484
LTV Ratio
80.0%18
Vacancy Buffer
1.8 mo27
Risk Index
16.7/ 100

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

Comparables

Properties near 20 Millstone Crescent

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.