12 Simcoe Street, Whitby

$800,000
12 Simcoe Street

$800,000

New
21d
DetachedBungalow

12 Simcoe Street, Whitby

Total Monthly Obligation $4,210

HausQ Valuation Report
Beds
3
Baths
1
Park
2
Sqft
1100-1500
DOM
21d
Score
16
Yield
3.9%
Cash on Cash
-8.7%
Cap Rate
2.7%
5Y IRR
8.7%
10Y IRR
9.3%
Property Type-Detached
MLS® Number-E13853272
Beds-3
Bathrooms-1
Size-1100-1500 sqft
Lot Size-165 × 66 ft
Listed on site-Oct 2, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$7,300.25 (2026)
Parking-4 - Attached
Basement-Partially Finished
Heating-Forced Air (Gas)
Brokerage-Royal Heritage Realty Ltd.
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-Brooklin
Title-Residential Freehold

No agent assigned

Welcome to this exceptional and incredibly rare offering. Nestled in the highly desirable family friendly Olde Brooklin neighbourhood. Featuring 3 spacious bedrooms, a large kitchen and dining area with a separate living room and gas fireplace. Enjoy a coffee on the covered front porch. Move in ready! Partially finished basement has great in-law suite potential with above grade windows. Minutes to shopping, schools, parks, 407 and the new Whitby sports complex.

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

Closing Costs

Mortgage Amount
$640,000
Land Transfer Taxes$12,475
Legal Fees (Est.)
$
Total cash required for closing$173,975

Total Monthly Obligation

$4,210/mo
Mortgage $3,227
Monthly Loss $3,361
Principal$849
Interest$2,378
Property Tax$608
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.1%12
Cash-on-Cash
-12.9%0
5-Year IRR
5.5%13
10-Year IRR
7.2%
Returns Index
7.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$31,416/yr
NOI
$16,474/yr
Net Cash Flow
-$1,854/mo
Cash Margin
-70.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.434
LTV Ratio
80.0%18
Vacancy Buffer
2.3 mo36
Risk Index
19.4/ 100

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

Comparables

Properties near 12 Simcoe Street

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.