640 Hillcroft Street, Oshawa

$769,900
640 Hillcroft Street

$769,900

New
17d
DetachedBacksplit 3

640 Hillcroft Street, Oshawa

Total Monthly Obligation $4,005

HausQ Valuation Report
Beds
4
Baths
3
Park
2
Sqft
1500-2000
DOM
17d
Score
20
Yield
5.5%
Cash on Cash
-1.1%
Cap Rate
4.3%
5Y IRR
14.7%
10Y IRR
13.9%
Property Type-Detached
MLS® Number-E13866666
Beds-4
Bathrooms-3
Size-1500-2000 sqft
Lot Size-45 × 111.5 ft
Listed on site-Oct 6, 2026
Style-Backsplit 3
Building Type-Detached
Age-31-50
Taxes-$6,296 (2025)
Parking-3 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-Royal Service Real Estate Inc.
Cooling-Central Air
Laundry-No
Fireplace-Wood Stove
Pool-Inground
Facing-North
Exterior-Brick, Vinyl Siding
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-Eastdale
Title-Residential Freehold

No agent assigned

Welcome to 640 Hillcroft St, a charming 3+1 bedroom backsplit located in the desirable Eastdale community of Oshawa. This spacious home offers a versatile layout with plenty of room for growing families, guests, or a home office. The main level features a bright and inviting living space. Walking into the home you will pass the front family room with a vaulted ceiling overlooking the front yard. The upper level has an open concept which brings together the kitchen with a breakfast bar, living room, and dining room which overlooks the front family room. The lower level provides additional flexibility with a fourth bedroom with a semi-ensuite bathroom, recreation space with a wet bar, and ample storage. Step outside to your private backyard retreat, complete with an in-ground pool-perfect for summer entertaining, relaxing, and making memories with family and friends. Situated in a family-friendly neighbourhood close to schools, parks, shopping, transit, and everyday amenities, this home combines comfort, functionality, and outdoor enjoyment all in a great Eastdale location.

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

Closing Costs

Mortgage Amount
$615,920
Land Transfer Taxes$11,873
Legal Fees (Est.)
$
Total cash required for closing$167,353

Total Monthly Obligation

$4,005/mo
Mortgage $3,106
Monthly Loss $3,188
Principal$817
Interest$2,288
Property Tax$525
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.9%2
5-Year IRR
11.0%42
10-Year IRR
11.4%
Returns Index
22.2/ 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
$42,480/yr
NOI
$27,436/yr
Net Cash Flow
-$819/mo
Cash Margin
-23.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7411
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo38
Risk Index
22.6/ 100

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

Comparables

Properties near 640 Hillcroft 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.