128 Spears Street, Toronto W03

$499,900
128 Spears Street

$499,900

New
8d
DetachedBungalow

128 Spears Street, Toronto W03

Total Monthly Obligation $2,533

HausQ Valuation Report
Beds
2
Baths
2
Park
1
Sqft
< 700
DOM
8d
Score
20
Yield
4.9%
Cash on Cash
-2.1%
Cap Rate
4.1%
5Y IRR
13.9%
10Y IRR
13.3%
Property Type-Detached
MLS® Number-W14082610
Beds-2
Bathrooms-2
Size-< 700 sqft
Lot Size-15 × 186 ft
Listed on site-Oct 15, 2026
Style-Bungalow
Building Type-Detached
Taxes-$1,700 (2026)
Parking-1 - None
Basement-Finished, Separate Entrance
Heating-Baseboard (Electric)
Brokerage-SUTTON GROUP-ADMIRAL REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Aluminum Siding, Brick Front
Roof-Shingles
Foundation-Other
Sewer-Sewer
Possession-TBA
Neighbourhood-Rockcliffe-Smythe
Title-Residential Freehold

No agent assigned

Discover the perfect blend of natural beauty, comfort, and convenience! This home sits on a spectacular 186-foot-deep ravine lot, offering a peaceful, picturesque setting surrounded by nature. Featuring a finished basement with a separate entrance and over 800 sq. ft. of total living space, this property offers a cozy and versatile living environment. Conveniently located near public transit, shopping, everyday amenities, and major highways, this home combines tranquil surroundings with easy access to everything you need

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

Closing Costs

Mortgage Amount
$399,920
Land Transfer Taxes$6,473
Legal Fees (Est.)
$
Total cash required for closing$107,953

Total Monthly Obligation

$2,533/mo
Mortgage $2,016
Monthly Loss $2,002
Principal$531
Interest$1,486
Property Tax$142
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.2%20
Cash-on-Cash
-7.7%1
5-Year IRR
9.6%32
10-Year IRR
10.2%
Returns Index
17.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 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
$24,588/yr
NOI
$15,929/yr
Net Cash Flow
-$689/mo
Cash Margin
-33.6%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.669
LTV Ratio
80.0%18
Vacancy Buffer
3.8 mo65
Risk Index
30.7/ 100

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

Comparables

Properties near 128 Spears 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.