89 Elkington Crescent, Whitby

$899,990
89 Elkington Crescent

$899,990

New
2d
Att/Row/Townhouse3-Storey

89 Elkington Crescent, Whitby

Total Monthly Obligation $4,651

Beds
4
Baths
4
Park
1
Sqft
2500-3000
DOM
2d
Score
16
Yield
4.3%
Cash on Cash
-6.5%
Cap Rate
3.2%
5Y IRR
10.4%
10Y IRR
10.5%
Property Type-Att/Row/Townhouse
MLS® Number-E14101974
Beds-4
Bathrooms-4
Size-2500-3000 sqft
Lot Size-25.59 × 88.58 ft
Listed on site-Oct 21, 2026
Style-3-Storey
Building Type-Att/Row/Townhouse
Taxes-$7,753 (2026)
Parking-2 - Attached
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Right At Home Realty
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas, Family Room
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-30 days/TBA
Neighbourhood-Rural Whitby
Title-Residential Freehold

No agent assigned

End Unit! Freehold! 2531 Square Feet! Impeccably finished and beautifully maintained, this stunning all-brick, 4-bedroom townhouse shows like a model home! Stylish finishes, thoughtful design and exceptional attention to detail are evident throughout. The sun-filled living room features rich hardwood floors, custom wainscoting and 9-foot ceilings. The gourmet kitchen offers quartz counters, centre island and quality cabinetry, overlooking the dining area and inviting family room with custom coffered ceiling, pot lights, fireplace and walkout to a private balcony. Upstairs, the spacious primary retreat features a balcony walkout, walk-in closet and luxurious ensuite with stand-alone soaker tub and separate glass shower. Two additional bedrooms and a 4-piece bath complete the upper level. The lower level offers a versatile fourth bedroom with walk-in closet, private 4-piece ensuite and walkout to the beautifully landscaped backyard-perfect for guests or extended family. Convenient laundry and direct garage access complete this level. The full, unfinished basement offers endless possibilities to customize the space to suit your needs. The fully fenced backyard is beautifully landscaped with stone walkways and multiple seating areas, creating a wonderful space for relaxing and entertaining. Ideally located minutes from Thermea Spa, shopping, restaurants, parks and excellent schools, with easy access to Hwy 412 connecting to the 401 and 407. A truly exceptional home offering style, space and convenience. Move in and enjoy!

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$719,992
Land Transfer Taxes$14,475
Legal Fees (Est.)
$
Total cash required for closing$195,973

Total Monthly Obligation

$4,651/mo
Mortgage $3,630
Monthly Loss $3,696
Principal$955
Interest$2,675
Property Tax$646
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-10.7%1
5-Year IRR
7.2%19
10-Year IRR
8.5%
Returns Index
10.9/ 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
$39,000/yr
NOI
$22,847/yr
Net Cash Flow
-$1,726/mo
Cash Margin
-53.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.525
LTV Ratio
80.0%18
Vacancy Buffer
2.1 mo32
Risk Index
18.6/ 100

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

Comparables

Properties near 89 Elkington Crescent

Time

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Data last updated within the past 24 hours.