115 Winter Gardens Trail, Toronto E10

$899,999
115 Winter Gardens Trail

$899,999

New
51d
Detached2-Storey

115 Winter Gardens Trail, Toronto E10

Total Monthly Obligation $4,409

Beds
3
Baths
3
Park
2
Sqft
1100-1500
DOM
51d
Score
17
Yield
4.3%
Cash on Cash
-5.1%
Cap Rate
3.5%
5Y IRR
11.5%
10Y IRR
11.4%
Property Type-Detached
MLS® Number-E13737282
Beds-3
Bathrooms-3
Size-1100-1500 sqft
Lot Size-30 × 109.8 ft
Listed on site-Sep 2, 2026
Style-2-Storey
Building Type-Detached
Taxes-$4,839.57 (2025)
Parking-3 - Built-In
Basement-Partially Finished
Heating-Forced Air (Gas)
Brokerage-IRISE
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-Rouge E10
Title-Residential Freehold

No agent assigned

A detached home under $900K in Rouge with room to make it your own. Welcome to 115 Winter Gardens Trail, a 5-level backsplit offering approximately 1,880 sq ft across its main, upper and lower levels, with 3 bedrooms, 3 bathrooms and a surprisingly spacious family-friendly layout. A renovated home on the same street recently sold for $1.02M, making this an interesting opportunity for buyers who would rather renovate to their own taste than pay the premium for someone else's finishes.Inside, you'll find a sunken living room with hardwood floors and French doors to the backyard, a separate dining room, eat-in kitchen and three good-sized bedrooms, including a primary with walk-in closet and ensuite. The lower level adds a large rec room with fireplace, built-in shelving and a separate entrance, plus a workshop/utility area with plenty of storage.The home needs updating, but some of the expensive work is already done with a new furnace and central air conditioner in 2025. Private driveway, garage and parking for three vehicles. Set on a quiet, established street close to GO Transit, schools, parks and the Lake Ontario waterfront trail. A solid home, a great neighbourhood and plenty of potential to build value over time.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$719,999
Land Transfer Taxes$14,475
Legal Fees (Est.)
$
Total cash required for closing$195,975

Total Monthly Obligation

$4,409/mo
Mortgage $3,630
Monthly Loss $3,453
Principal$955
Interest$2,675
Property Tax$403
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.9%17
Cash-on-Cash
-9.2%1
5-Year IRR
8.3%25
10-Year IRR
9.3%
Returns Index
13.7/ 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
$38,904/yr
NOI
$25,674/yr
Net Cash Flow
-$1,491/mo
Cash Margin
-46.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.597
LTV Ratio
80.0%18
Vacancy Buffer
2.2 mo34
Risk Index
19.7/ 100

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

Comparables

Properties near 115 Winter Gardens Trail

Time

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