9 Hoylake Road, St. Thomas

$615,000
9 Hoylake Road

$615,000

New
2d
Att/Row/Townhouse2-Storey

9 Hoylake Road, St. Thomas

Total Monthly Obligation $2,856

Beds
5
Baths
4
Park
2
Sqft
1500-2000
DOM
2d
Score
23
Yield
5.2%
Cash on Cash
1.0%
Cap Rate
4.8%
5Y IRR
16.3%
10Y IRR
15.2%
Property Type-Att/Row/Townhouse
MLS® Number-X14102168
Beds-5
Bathrooms-4
Size-1500-2000 sqft
Lot Size-28 × 129 ft
Listed on site-Oct 21, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Age-New
Parking-3 - Attached
Basement-Apartment, Full, Separate Entrance, Walk-Up
Heating-Baseboard (Electric)
Brokerage-Royal Lepage R.E. Wood Realty Brokerage
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-North
Exterior-Hardboard, Shingle
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

A new approach to home ownership has arrived in St. Thomas. This thoughtfully designed new-build residence was created for the modern housing market, combining a beautiful family home with a completely separate, legal 1-bedroom secondary dwelling. This isn't simply a finished basement-the 781 sq. ft. lower residence was purpose-built as a self-contained living space, giving you incredible flexibility from day one. Live in the spacious 1,858 sq. ft. main residence while renting the lower unit, provide an independent home for a family member, or add a turnkey income property to your investment portfolio. At a time when both rents and mortgage payments have become increasingly the ability to generate substantial rental income from your own property offers a new solution to affordability-potentially bringing your effective monthly housing costs closer to, or even below, the cost of renting a comparable home while building equity in something you own. With over 2,600 sq. ft. of combined finished living space, these homes also feature 9' main-floor ceilings, impressive 8' doors, surface countertops closets, an attached garage and a dedicated work-from-home office. Located on a deep lot in desirable Shaw Valley, close to schools and just a short drive to Port Stanley. Two living spaces. One property. A smarter way to own.

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

Closing Costs

Mortgage Amount
$492,000
Land Transfer Taxes$8,775
Legal Fees (Est.)
$
Total cash required for closing$133,275

Total Monthly Obligation

$2,856/mo
Mortgage $2,481
Monthly Loss $2,203
Principal$653
Interest$1,828
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.9%26
Cash-on-Cash
-4.2%3
5-Year IRR
12.2%52
10-Year IRR
12.3%
Returns Index
27.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$31,896/yr
NOI
$24,206/yr
Net Cash Flow
-$464/mo
Cash Margin
-17.4%0
Cash Flow Index
0.2/ 100
Risk Profile
Weight: 20%
DSCR
0.8115
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo57
Risk Index
30.0/ 100

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

Comparables

Properties near 9 Hoylake Road

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.