4 Gray Street, Severn

$564,500
4 Gray Street

$564,500

New
29d
Detached1 1/2 Storey

4 Gray Street, Severn

Total Monthly Obligation $2,791

Beds
3
Baths
2
Park
6
Sqft
1100-1500
DOM
29d
Score
25
Yield
6.0%
Cash on Cash
2.9%
Cap Rate
5.2%
5Y IRR
17.9%
10Y IRR
16.5%
Property Type-Detached
MLS® Number-S13825072
Beds-3
Bathrooms-2
Size-1100-1500 sqft
Lot Size-45.53 × 190.31 ft
Listed on site-Sep 24, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$1,672.58 (2025)
Parking-6 - None
Basement-Crawl Space
Heating-Forced Air (Gas)
Brokerage-Royal LePage In Touch Realty
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Vinyl Siding
Roof-Metal
Foundation-Block
Sewer-Sewer
Possession-flexible
Neighbourhood-Coldwater
Title-Residential Freehold

No agent assigned

Welcome to this charming family home in the heart of Coldwater! Offering the perfect blend of character and modern updates, this 3-bedroom, 1.5-bath home is ideal for first-time home buyers, young families, or anyone looking to enjoy the charm of small-town living. Inside, you'll find bright, spacious rooms with soaring ceilings, original hardwood flooring in the living room, and recently renovated bathrooms that add modern comfort while preserving the home's timeless appeal. Major updates have already been completed, including a metal roof, newer windows, a high-efficiency furnace (2021), and a pergola (2021), providing peace of mind for years to come. The oversized, private lot offers exceptional outdoor living with plenty of room for children and pets to play, gardening, entertaining, or simply relaxing. Multiple outdoor spaces and ample storage make this property as functional as it is inviting. Located just steps from downtown Coldwater, you'll enjoy easy access to local shops, restaurants, parks, walking trails, schools, and recreational facilities. With Highway 12 and Highway 400 only minutes away, commuting to Midland, Orillia, Barrie, and surrounding communities is quick and convenient. If you've been searching for an updated character home with an oversized lot, excellent location, and incredible value, this is one you won't want to miss.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$451,600
Land Transfer Taxes$7,765
Legal Fees (Est.)
$
Total cash required for closing$122,165

Total Monthly Obligation

$2,791/mo
Mortgage $2,277
Monthly Loss $2,192
Principal$599
Interest$1,678
Property Tax$139
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.3%30
Cash-on-Cash
-2.7%4
5-Year IRR
13.5%61
10-Year IRR
13.3%
Returns Index
31.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
25/ 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
$33,600/yr
NOI
$24,067/yr
Net Cash Flow
-$271/mo
Cash Margin
-9.7%1
Cash Flow Index
0.7/ 100
Risk Profile
Weight: 20%
DSCR
0.8819
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo58
Risk Index
31.7/ 100

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

Comparables

Properties near 4 Gray Street

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.