1604 Charles Street 415, Whitby

$519,000
1604 Charles Street 415

$519,000

Price Change
4d
Condo ApartmentApartment

1604 Charles Street 415, Whitby

Total Monthly Obligation $2,878

HausQ Valuation Report
Beds
2
Baths
3
Park
1
Sqft
800-899
DOM
4d
Score
22
Yield
6.1%
Cash on Cash
-0.7%
Cap Rate
4.4%
5Y IRR
15.0%
10Y IRR
14.2%
Property Type-Condo Apartment
MLS® Number-E14092126
Beds-2
Bathrooms-3
Size-800-899 sqft
Listed on site-Oct 19, 2026
Style-Apartment
Building Type-Condo Apartment
Age-New
Maintenance-$584.82/mo
Locker-Owned
Parking-1 - Underground
Basement-None
Heating-Forced Air (Gas)
Brokerage-HERSH REALTY GROUP INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Exterior-Brick, Concrete
Possession-Immediate
Neighbourhood-Port Whitby
Title-Residential Condo & Other

No agent assigned

2 YEARS FREE MAINTENANCE FEES! 1 FREE PARKING + 1 FREE LOCKER! Welcome to Unit 415 at 1604 Charles Street in Whitby Harbour. This bright and spacious 854 sq. ft. northwest-facing corner suite features floor-to-ceiling windows, an abundance of natural light and a functional layout designed for comfortable everyday living. Located just steps from the waterfront, marina, parks and kilometres of scenic walking and cycling trails, with Whitby GO, Highway 401, shopping and restaurants minutes away. An exceptional opportunity to enjoy the best of Whitby's growing waterfront community with outstanding value already built in. Suite is virtually staged

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

Closing Costs

Mortgage Amount
$415,200
Land Transfer Taxes$6,855
Legal Fees (Est.)
$
Total cash required for closing$112,155

Total Monthly Obligation

$2,878/mo
Mortgage $2,094
Monthly Loss $2,327
Principal$551
Interest$1,543
Condo Fees$585
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
3.7%24
Cash-on-Cash
-5.5%2
5-Year IRR
11.4%45
10-Year IRR
11.7%
Returns Index
23.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$31,572/yr
NOI
$18,997/yr
Net Cash Flow
-$510/mo
Cash Margin
-19.4%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7612
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo56
Risk Index
28.9/ 100

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

Comparables

Properties near 1604 Charles Street 415

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.