86 Charles Street, Port Hope

$499,000
86 Charles Street

$499,000

New
24d
Detached1 1/2 Storey

86 Charles Street, Port Hope

Total Monthly Obligation $2,775

Beds
2
Baths
2
Park
2
Sqft
1100-1500
DOM
24d
Score
20
Yield
5.7%
Cash on Cash
-1.6%
Cap Rate
4.2%
5Y IRR
14.3%
10Y IRR
13.6%
Property Type-Detached
MLS® Number-X13841056
Beds-2
Bathrooms-2
Size-1100-1500 sqft
Lot Size-66.63 × 71.51 ft
Listed on site-Sep 29, 2026
Style-1 1/2 Storey
Building Type-Detached
Taxes-$4,648.2 (2026)
Parking-3 - Detached
Basement-Separate Entrance, Full, Unfinished, Walk-Out
Heating-Forced Air (Gas)
Brokerage-Bosley Real Estate Ltd.
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Concrete Block, Stone
Sewer-Sewer
Possession-TBD
Neighbourhood-Port Hope
Title-Residential Freehold

No agent assigned

Step into history with this enchanting circa - 1850 Saltbox home, perfectly nestled in the heart of Englishtown at the historic west end of Port Hope. Perfectly positioned at the crest of the town's signature rolling hills and scenic ravines, this 2-bedroom, 2-bathroom residence offers an ideal blend of heritage character and walkable convenience to downtown.The main level features a remarkably generous hallway, a beautifully preserved period staircase, and a bright, expansive sitting room illuminated by an east-facing Victorian bay window. Culinary enthusiasts will appreciate the stylish kitchen, complete with custom cabinetry and abundant storage. Everyday living is made easy with a dedicated main-floor laundry room and a full bathroom. Step into the sun porch - facing west and south - to access the side yard, private deck, and detached garage. Upstairs, the entire floor serves as a private primary retreat, complete with a full ensuite bath, a spacious walk-in closet, and excellent additional hallway storage. Don't miss the opportunity to call this Port Hope gem your own.

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

Closing Costs

Mortgage Amount
$399,200
Land Transfer Taxes$6,455
Legal Fees (Est.)
$
Total cash required for closing$107,755

Total Monthly Obligation

$2,775/mo
Mortgage $2,013
Monthly Loss $2,246
Principal$530
Interest$1,483
Property Tax$387
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%20
Cash-on-Cash
-7.4%1
5-Year IRR
9.9%35
10-Year IRR
10.6%
Returns Index
18.4/ 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
$28,200/yr
NOI
$16,232/yr
Net Cash Flow
-$660/mo
Cash Margin
-28.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.679
LTV Ratio
80.0%18
Vacancy Buffer
3.5 mo59
Risk Index
28.8/ 100

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

Comparables

Properties near 86 Charles 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.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.