312 Walnut Street W, Whitby

$749,900
312 Walnut Street W

$749,900

Price Change
22d
Detached2-Storey

312 Walnut Street W, Whitby

Total Monthly Obligation $3,883

Beds
4
Baths
3
Park
4
Sqft
1100-1500
DOM
22d
Score
20
Yield
5.6%
Cash on Cash
-0.8%
Cap Rate
4.4%
5Y IRR
14.9%
10Y IRR
14.1%
Property Type-Detached
MLS® Number-E13846852
Beds-4
Bathrooms-3
Size-1100-1500 sqft
Lot Size-48 × 198 ft
Listed on site-Oct 1, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,793 (2026)
Parking-6 - Detached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-EXP REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Stucco (Plaster), Wood
Roof-Asphalt Shingle
Foundation-Other
Sewer-Sewer
Possession-flexible
Neighbourhood-Downtown Whitby
Title-Residential Freehold

No agent assigned

A Rare Piece of Old Whitby on an Extraordinary 198-Foot-Deep Lot. Discover the timeless character and remarkable possibilities of this charming century home, ideally situated in one of Old Whitby's most established and sought-after neighbourhoods. Offering approximately 2,000 sq. ft. of living space and set on an impressive 48 x 198-foot lot, this exceptional property offers a rare combination of space, privacy and history, with expansive grounds and ample room for a future pool, gardens and outdoor entertaining. A welcoming covered front porch sets the tone, offering the perfect place to relax and enjoy the quiet, tree-lined surroundings. Inside, the home blends century charm with comfortable family living. The main level features a spacious kitchen, generous living and dining areas, plus a separate family room with a 3-piece bathroom and a walkout to the deck and the magnificent deep backyard. Upstairs are three bedrooms and a full bathroom, while the lower level expands the living space with a fourth bedroom, tea kitchen, powder room and additional living area-ideal for guests, extended family or flexible use. A standout feature is the massive insulated garage, over 500 sq. ft.-an incredible space for the hobbyist, collector, workshop, studio, or ultimate retreat. All this within walking distance of Downtown Whitby, with shopping, dining, entertainment, and everyday amenities. A rare opportunity to own a character-filled home on an extraordinary lot in historic Old Whitby.

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

Mortgage Amount
$599,920
Land Transfer Taxes$11,473
Legal Fees (Est.)
$
Total cash required for closing$162,953

Total Monthly Obligation

$3,883/mo
Mortgage $3,025
Monthly Loss $3,087
Principal$796
Interest$2,229
Property Tax$483
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.6%2
5-Year IRR
11.2%44
10-Year IRR
11.5%
Returns Index
23.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 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
$41,652/yr
NOI
$27,194/yr
Net Cash Flow
-$759/mo
Cash Margin
-21.9%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7512
LTV Ratio
80.0%18
Vacancy Buffer
2.5 mo39
Risk Index
23.2/ 100

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

Comparables

Properties near 312 Walnut Street W

Time

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