4 North Street, Cramahe

$875,000
4 North Street

$875,000

New
23d
Detached2-Storey

4 North Street, Cramahe

Total Monthly Obligation $4,453

Beds
4
Baths
3
Park
4
Sqft
3000-3500
DOM
23d
Score
16
Yield
3.8%
Cash on Cash
-8.3%
Cap Rate
2.8%
5Y IRR
9.1%
10Y IRR
9.5%
Property Type-Detached
MLS® Number-X13844304
Beds-4
Bathrooms-3
Size-3000-3500 sqft
Lot Size-132 × 157.84 ft
Listed on site-Sep 30, 2026
Style-2-Storey
Building Type-Detached
Taxes-$6,577.26 (2026)
Parking-8 - Detached
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-RE/MAX HALLMARK FIRST GROUP REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-Colborne
Title-Residential Freehold

No agent assigned

This character-filled two-storey red brick century home, circa 1860s, blends historic charm with generous living space and modern convenience. A covered front veranda, surrounded by meticulously maintained perennial gardens, sets the tone for the timeless elegance found throughout. Inside, the main floor showcases period details including extra-wide baseboards, detailed crown mouldings, and decorative ceiling coins. The sunlit front living room with fireplace flows seamlessly into the spacious formal dining room. A thoughtfully designed kitchen features a central island with pendant lighting and a vintage-inspired cooktop and oven, opening into an informal dining area. A bright family room with a walkout and bar area provides the perfect space for entertaining, complemented by a guest bathroom on this level. The upper floor is anchored by the primary suite, which features an en-suite bathroom and a walkout to a private balcony. Three additional bedrooms, a full bathroom with a separate tub and shower, plus a double vanity, and a cozy den or reading nook complete the layout. The lower level offers ample storage and a separate walkout to the backyard. Outdoors, discover a private retreat featuring a fully fenced yard, tranquil pond, screened wood gazebo, and spacious deck, perfect for alfresco dining. A detached four-car garage provides exceptional parking and storage. Located near schools, amenities, and offering easy access to Highway 2 and the 401, this historic gem is the perfect blend of character, comfort, and convenience.

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

Closing Costs

Mortgage Amount
$700,000
Land Transfer Taxes$13,975
Legal Fees (Est.)
$
Total cash required for closing$190,475

Total Monthly Obligation

$4,453/mo
Mortgage $3,530
Monthly Loss $3,524
Principal$929
Interest$2,601
Property Tax$548
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.2%13
Cash-on-Cash
-12.3%0
5-Year IRR
6.0%14
10-Year IRR
7.5%
Returns Index
8.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$19,163/yr
Net Cash Flow
-$1,933/mo
Cash Margin
-69.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.454
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo34
Risk Index
18.8/ 100

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

Comparables

Properties near 4 North Street

Time

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