12 Thelma Drive, Whitby

$864,000
12 Thelma Drive

$864,000

New
3d
Att/Row/Townhouse2-Storey

12 Thelma Drive, Whitby

Total Monthly Obligation $4,382

Beds
3
Baths
3
Park
1
Sqft
1500-2000
DOM
3d
Score
17
Yield
4.3%
Cash on Cash
-6.3%
Cap Rate
3.2%
5Y IRR
10.6%
10Y IRR
10.7%
Property Type-Att/Row/Townhouse
MLS® Number-E14099992
Beds-3
Bathrooms-3
Size-1500-2000 sqft
Lot Size-21.33 × 90.52 ft
Listed on site-Oct 20, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Age-0-5
Taxes-$6,262.69 (2026)
Parking-3 - Attached
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-HOMELIFE/MIRACLE REALTY LTD
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-South
Exterior-Brick, Stone
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Flexible / Immidiate
Neighbourhood-Rural Whitby
Title-Residential Freehold

No agent assigned

Welcome to exceptional modern living in one of Whitby's most rapidly growing, high-demand communities. This impressive 1,769 sq. ft. rear-lane freehold two-storey townhouse delivers an outstanding balance of functional space, refined finishes, and effortless convenience. Step inside to a bright, freshly painted interior illuminated by newly installed LED pot lights throughout the home. Designed for clean, contemporary living, the carpet-free layout highlights seamless transitions between every room. The main floor features a sprawling living room along with a versatile dining/den area, perfect for entertaining or set up as a dedicated work-from-home space. The modern, open kitchen offers ample storage, generous counter space, and a cozy breakfast area, complemented by convenient main-floor laundry. Stylish zebra roller blinds adorn all windows, providing dynamic light control and privacy throughout. Upstairs, you will find three expansive bedrooms, including a impressive primary suite complete with a spacious walk-in closet and a luxurious 5-piece ensuite bath. Outdoors, enjoy your own private courtyard-a quiet oasis for relaxation or weekend hosting-plus the rare benefit of a full double-car garage. The unspoiled basement with low headroom area to be used as added storage, awaits your personal vision, offering tremendous potential for custom living space, recreation. Unbeatable location perks round out this exceptional offering: Commuter's Dream: Just 3 minutes to HWY 401 & HWY 412Everyday Convenience: Minutes to New (Under construction) Food Basics, minutes to Costco, two Walmart, Longo's, Canadian Tire, Indigo, Winners, and HomeSense Essential Amenities: Surrounded by top-rated schools, parks, dining options, and medical clinics. Whether you are a growing family, working professional, or savvy investor seeking solid future appreciation, this pristine property offers turnkey comfort and long-term value.

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%
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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$691,200
Land Transfer Taxes$13,755
Legal Fees (Est.)
$
Total cash required for closing$188,055

Total Monthly Obligation

$4,382/mo
Mortgage $3,485
Monthly Loss $3,465
Principal$917
Interest$2,568
Property Tax$522
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.6%15
Cash-on-Cash
-10.5%1
5-Year IRR
7.4%20
10-Year IRR
8.6%
Returns Index
11.3/ 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
$36,828/yr
NOI
$22,383/yr
Net Cash Flow
-$1,620/mo
Cash Margin
-52.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.545
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo35
Risk Index
19.4/ 100

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

Comparables

Properties near 12 Thelma Drive

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.