6 Merchants Avenue, Whitby

$1,025,000
6 Merchants Avenue

$1,025,000

New
8d
Detached2-Storey

6 Merchants Avenue, Whitby

Total Monthly Obligation $5,112

Beds
4
Baths
3
Park
2
Sqft
2000-2500
DOM
8d
Score
16
Yield
4.2%
Cash on Cash
-6.5%
Cap Rate
3.2%
5Y IRR
10.4%
10Y IRR
10.6%
Property Type-Detached
MLS® Number-E14081678
Beds-4
Bathrooms-3
Size-2000-2500 sqft
Lot Size-36.46 × 114.07 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Detached
Taxes-$7,230 (2026)
Parking-4 - Attached
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-COLDWELL BANKER - R.M.R. Real Estate
Cooling-Central Air
Laundry-No
Fireplace-Family Room, Natural Gas
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-30/60
Neighbourhood-Williamsburg
Title-Residential Freehold

No agent assigned

Welcome to 6 Merchants Avenue - tucked into the heart of Williamsburg, one of Whitby's most beloved family neighbourhoods, known for its top-rated schools, parks, trails, and true sense of community. This is the kind of street families put down roots on for good. This beautifully maintained all-brick 2-storey offers 4 bedrooms, 3 bathrooms, a double-car garage, and a finished basement, giving your family room to grow without leaving the neighbourhood you already love. The kitchen has just been refreshed with professionally painted cabinetry and updated hardware, paired with granite countertops, stainless steel appliances, a gas stove, and oversized patio doors that flood the space with natural light. A walkout leads to the deck and backyard, complete with a natural gas BBQ hookup for easy indoor-outdoor living. Brand new carpet runs up the stairs and throughout the upper level, where you'll find four spacious bedrooms, including a bright second bedroom with a window bench overlooking the backyard, and a generous primary retreat with a walk-in closet and a private 4-piece ensuite featuring a soaker tub and separate glass shower. The finished basement adds a large rec room and abundant storage, while the backyard is a true retreat with a spacious deck, garden shed, raised garden beds, a privacy screen, and a hot tub. Whether you're moving up within Williamsburg or discovering it for the first time, 6 Merchants Avenue delivers the space, the setting, and the schools that make this community so hard to leave.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$820,000
Land Transfer Taxes$16,975
Legal Fees (Est.)
$
Total cash required for closing$223,475

Total Monthly Obligation

$5,112/mo
Mortgage $4,135
Monthly Loss $4,024
Principal$1,088
Interest$3,047
Property Tax$603
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.6%15
Cash-on-Cash
-10.4%1
5-Year IRR
7.4%20
10-Year IRR
8.6%
Returns Index
11.4/ 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
$42,648/yr
NOI
$26,653/yr
Net Cash Flow
-$1,913/mo
Cash Margin
-53.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.545
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo29
Risk Index
17.6/ 100

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

Comparables

Properties near 6 Merchants Avenue

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.