22 Swansea Street, Whitby

$999,000
22 Swansea Street

$999,000

New
21d
Detached2-Storey

22 Swansea Street, Whitby

Total Monthly Obligation $5,000

Beds
4
Baths
3
Park
1
Sqft
2000-2500
DOM
21d
Score
16
Yield
3.9%
Cash on Cash
-7.6%
Cap Rate
3.0%
5Y IRR
9.6%
10Y IRR
9.9%
Property Type-Detached
MLS® Number-E13862074
Beds-4
Bathrooms-3
Size-2000-2500 sqft
Lot Size-35.01 × 107.21 ft
Listed on site-Oct 2, 2026
Style-2-Storey
Building Type-Detached
Taxes-$7,140 (2025)
Parking-2 - Attached
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-REMAX YOUR COMMUNITY REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-On Ground
Facing-South
Exterior-Brick, Brick Veneer
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-30-59 days
Neighbourhood-Williamsburg
Title-Residential Freehold

No agent assigned

Welcome to 22 Swansea Street, a beautifully maintained 4-bedroom, 2.5-bath detached home offering approximately 2,010 sq. ft. of comfortable living space in Whitby's sought-after Williamsburg community. The inviting main level showcases rich hardwood flooring, pot lights and a warm fireplace, creating an ideal setting for both everyday living and entertaining. At the heart of the home is a spacious kitchen featuring dark cabinetry, a large centre island, stylish backsplash and stainless steel appliances, flowing seamlessly into the dining area with a walkout to the backyard deck. Upstairs, four well-proportioned bedrooms provide plenty of room for a growing family, guests or a dedicated home office. Step outside to a private fully fenced backyard featuring a deck, lush gardens, mature landscaping and a charming decorative pond-an inviting outdoor retreat for relaxing or entertaining. Complete with an attached garage and located close to parks, recreation and neighbourhood amenities, this lovingly cared-for Williamsburg home offers an excellent combination of space, comfort and character.

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

Closing Costs

Mortgage Amount
$799,200
Land Transfer Taxes$16,455
Legal Fees (Est.)
$
Total cash required for closing$217,755

Total Monthly Obligation

$5,000/mo
Mortgage $4,030
Monthly Loss $3,939
Principal$1,060
Interest$2,969
Property Tax$595
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.4%14
Cash-on-Cash
-11.4%0
5-Year IRR
6.6%17
10-Year IRR
8.0%
Returns Index
9.6/ 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
$39,348/yr
NOI
$23,773/yr
Net Cash Flow
-$2,049/mo
Cash Margin
-62.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.495
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo30
Risk Index
17.6/ 100

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

Comparables

Properties near 22 Swansea 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.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.