28 Roth Avenue, Wilmot

$859,900
28 Roth Avenue

$859,900

New
2d
DetachedSidesplit 4

28 Roth Avenue, Wilmot

Total Monthly Obligation $4,324

Beds
4
Baths
3
Park
2
Sqft
2000-2500
DOM
2d
Score
17
Yield
4.5%
Cash on Cash
-5.1%
Cap Rate
3.5%
5Y IRR
11.5%
10Y IRR
11.4%
Property Type-Detached
MLS® Number-X14104732
Beds-4
Bathrooms-3
Size-2000-2500 sqft
Lot Size-45.01 × 98.43 ft
Listed on site-Oct 21, 2026
Style-Sidesplit 4
Building Type-Detached
Age-16-30
Taxes-$5,770.39 (2026)
Parking-4 - Attached
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-PEAK REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Negotiable
Title-Residential Freehold

No agent assigned

Welcome to 28 Roth Ave! With about 2,400 sq. ft. of finished above-grade living space, 4 bedrooms with the potential for up to 6, and one of the largest floor plans in the subdivision, this spacious Baden home offers room to grow! Located on a family-friendly street within walking distance of schools, parks, and neighbourhood plaza (with a Tims), the location is as appealing as the home itself. Step inside and you'll appreciate the open-concept, multi-level design, where soaring ceilings create an impressive sense of space and flow. As the original owner, the home's construction was closely overseen by someone with decades of experience in the building industry, resulting in thoughtful upgrades designed with quality and longevity in mind. Features include 2x6 construction, upgraded attic insulation, spray-foam insulation around the windows and rim joists, rounded drywall corners & more. Inside, quality finishes include hardwood flooring and stone countertops, while the recently renovated primary ensuite, completed in 2026, offers a retreat with a freestanding soaker tub, contemporary shower and dramatic 12-foot ceiling. The spacious primary suite is further complemented by a very large walk-in closet. The home's flexible layout provides plenty of space for family living, working from home, entertaining or accommodating guests, with the potential to create up to 6 bedrooms. A generous laundry room & oversized garage add everyday convenience and functionality. Step outside to the newer covered deck, complete with lighting and electrical, overlooking the fully fenced yard and extending the home's living space. Set in a welcoming Baden community, within walking distance of both Waterloo-Oxford District Secondary School & Baden Public School, along with nearby parks and everyday amenities. A thoughtfully built, spacious home in a location that offers the convenience families are looking for-plus the added bonus of being able to walk to "Tims" for your morning coffee.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$687,920
Land Transfer Taxes$13,673
Legal Fees (Est.)
$
Total cash required for closing$187,153

Total Monthly Obligation

$4,324/mo
Mortgage $3,469
Monthly Loss $3,412
Principal$913
Interest$2,556
Property Tax$481
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.8%17
Cash-on-Cash
-9.4%1
5-Year IRR
8.2%24
10-Year IRR
9.2%
Returns Index
13.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$38,400/yr
NOI
$24,290/yr
Net Cash Flow
-$1,444/mo
Cash Margin
-45.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.587
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo35
Risk Index
19.9/ 100

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

Comparables

Properties near 28 Roth Avenue

Time

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Data last updated within the past 24 hours.