130 Pine Street, Whitby

$500,000
130 Pine Street

$500,000

New
2d
DetachedBungalow

130 Pine Street, Whitby

Total Monthly Obligation $2,756

HausQ Valuation Report
Beds
2
Baths
1
Park
2
Sqft
1100-1500
DOM
2d
Score
21
Yield
5.7%
Cash on Cash
-1.2%
Cap Rate
4.3%
5Y IRR
14.6%
10Y IRR
13.8%
Property Type-Detached
MLS® Number-E14102618
Beds-2
Bathrooms-1
Size-1100-1500 sqft
Lot Size-66 × 132 ft
Listed on site-Oct 21, 2026
Style-Bungalow
Building Type-Detached
Taxes-$4,368.88 (2026)
Parking-2 - None
Basement-Crawl Space
Heating-Forced Air (Gas)
Brokerage-RE/MAX WEST REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Unknown
Sewer-Sewer
Possession-30-59 days
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

66' x 132' Lot Near Downtown Whitby. Suitable Lot For Severance. Construct 2 Semis or Detached Homes. Existing Home In Small 2 Bedroom Bungalow Bungalow Built In 1852. Perfect For Someone Looking For Small Comfortable Space With Large Yard. House Requires Updating And More Suitable For Builders. Great Location In Downtown Whitby, Walk To Everything.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$400,000
Land Transfer Taxes$6,475
Legal Fees (Est.)
$
Total cash required for closing$107,975

Total Monthly Obligation

$2,756/mo
Mortgage $2,017
Monthly Loss $2,225
Principal$531
Interest$1,486
Property Tax$364
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%21
Cash-on-Cash
-7.1%1
5-Year IRR
10.1%36
10-Year IRR
10.8%
Returns Index
19.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$28,320/yr
NOI
$16,619/yr
Net Cash Flow
-$632/mo
Cash Margin
-26.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.6910
LTV Ratio
80.0%18
Vacancy Buffer
3.5 mo59
Risk Index
29.1/ 100

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

Comparables

Properties near 130 Pine Street

Time

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Data last updated within the past 24 hours.