45 Palomino Place, Whitby

$923,400
45 Palomino Place

$923,400

New
23d
Detached2-Storey

45 Palomino Place, Whitby

Total Monthly Obligation $4,637

HausQ Valuation Report
Beds
5
Baths
4
Park
3
Sqft
1500-2000
DOM
23d
Score
17
Yield
4.3%
Cash on Cash
-5.7%
Cap Rate
3.4%
5Y IRR
11.1%
10Y IRR
11.1%
Property Type-Detached
MLS® Number-E13843860
Beds-5
Bathrooms-4
Size-1500-2000 sqft
Lot Size-20.95 × 134.3 ft
Listed on site-Sep 30, 2026
Style-2-Storey
Building Type-Detached
Taxes-$6,448 (2025)
Parking-4 - Attached
Basement-Apartment, Finished, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-THE AGENCY
Cooling-Central Air
Laundry-No
Fireplace-Electric
Pool-None
Facing-East
Exterior-Brick
Roof-Metal
Foundation-Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-Pringle Creek
Title-Residential Freehold

No agent assigned

4+1 BEDROOMS | 4 BATHROOMS | FINISHED BASEMENT | SEPARATE ENTRANCE | LARGE PIE-SHAPED LOT...Welcome To This Well-Maintained Home In A Family-Friendly Whitby Neighbourhood! Featuring 4 Spacious Bedrooms Upstairs + 1 Bedroom In The Finished Basement And 4 Bathrooms, Offering Plenty Of Space For A Growing Family Or Extended Family. The Finished Basement Features A Separate Entrance, Kitchen, Living Area And Bedroom, Providing Excellent Additional Living Space And Potential For Rental Income. Enjoy A Large Pie-Shaped Backyard. The Main Floor Features Hardwood Flooring, Ceramic Flooring In The Front Entry And Kitchen, Oak Stairs, And Convenient Main-Floor Laundry With Direct Access To The Garage. Additional Highlights Include Metal Roofing And A Double-Door Entry. Prime Whitby Location Near Schools, Parks, Shopping, Restaurants, Public Transit And Everyday Amenities. Conveniently Located Near Brock St N & Rossland Rd E, With Easy Access To Whitby GO Station And Major Highways. A Great Opportunity For Families, Extended Families Or Buyers Looking For Additional Basement Living Potential!

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$738,720
Land Transfer Taxes$14,943
Legal Fees (Est.)
$
Total cash required for closing$201,123

Total Monthly Obligation

$4,637/mo
Mortgage $3,725
Monthly Loss $3,657
Principal$980
Interest$2,745
Property Tax$537
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-9.8%1
5-Year IRR
7.9%23
10-Year IRR
8.9%
Returns Index
12.6/ 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
$40,164/yr
NOI
$25,200/yr
Net Cash Flow
-$1,625/mo
Cash Margin
-48.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.566
LTV Ratio
80.0%18
Vacancy Buffer
2.1 mo32
Risk Index
18.9/ 100

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

Comparables

Properties near 45 Palomino Place

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.