478 Ramsey Street, Pembroke

$374,900
478 Ramsey Street

$374,900

New
16d
Detached1 1/2 Storey

478 Ramsey Street, Pembroke

Total Monthly Obligation $2,140

Beds
3
Baths
2
Park
5
Sqft
1100-1500
DOM
16d
Score
34
Yield
8.0%
Cash on Cash
9.2%
Cap Rate
6.6%
5Y IRR
23.0%
10Y IRR
20.8%
Property Type-Detached
MLS® Number-X13874298
Beds-3
Bathrooms-2
Size-1100-1500 sqft
Lot Size-40 × 90 ft
Listed on site-Oct 7, 2026
Style-1 1/2 Storey
Building Type-Detached
Taxes-$3,028 (2025)
Parking-5 - None
Basement-Partially Finished, Full
Heating-Forced Air (Propane)
Brokerage-RE/MAX PEMBROKE REALTY LTD.
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-TBD
Neighbourhood-530 - Pembroke
Title-Residential Freehold

No agent assigned

!!!! OPEN HOUSE - Sunday October 18th 11am - 1pm - !!!! Welcome to 478 Ramsey Street, a completely refreshed two-storey, three-bedroom, one-and-a-half-bathroom detached home in a convenient central Pembroke location. Offering turnkey living with numerous updates throughout, this home is an excellent opportunity for first-time buyers, families, investors, or anyone looking to make the transition from renting to home ownership. The main level features a refreshed updated eat-in kitchen (2026), updated flooring (2026), and an inviting layout filled with natural light, creating a bright and welcoming atmosphere throughout the home. Both bathrooms have also been updated, adding to the home's fresh, modern feel. The second level has 2 additional bedrooms and the full updated bathroom (2026.The basement offers a good sized family rec room area and a large utility room perfect for storage. This home also has a new metal roof (2026) on the main part of the house. Outside offers a easy to maintain yard and a ready to use concrete pad that could easily be converted back to a garage space or carport. Ideally located close to downtown Pembroke, Algonquin College, shopping, churches, restaurants, schools, and everyday amenities, with easy access for those commuting, this property puts convenience right at your doorstep. Whether you're looking for your first home, a comfortable family property, or a smart alternative to paying rent, 478 Ramsey Street offers excellent value and a move-in-ready lifestyle in a desirable Pembroke location. Quick closing is available. Don't miss this opportunity to own a beautifully refreshed home and start building equity instead of paying rent!

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

Closing Costs

Mortgage Amount
$299,920
Land Transfer Taxes$4,099
Legal Fees (Est.)
$
Total cash required for closing$80,579

Total Monthly Obligation

$2,140/mo
Mortgage $1,512
Monthly Loss $1,742
Principal$398
Interest$1,114
Property Tax$252
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
5.2%40
Cash-on-Cash
1.6%11
5-Year IRR
17.1%82
10-Year IRR
16.4%
Returns Index
45.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
34/ 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
$30,000/yr
NOI
$19,472/yr
Net Cash Flow
$110/mo
Cash Margin
4.4%11
Cash Flow Index
10.7/ 100
Risk Profile
Weight: 20%
DSCR
1.0733
LTV Ratio
80.0%18
Vacancy Buffer
4.4 mo76
Risk Index
42.3/ 100

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

Comparables

Properties near 478 Ramsey 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.