20 Elizabeth Street S, Richmond Hill

$1,065,000
20 Elizabeth Street S

$1,065,000

New
16d
Detached2-Storey

20 Elizabeth Street S, Richmond Hill

Total Monthly Obligation $5,134

Beds
3
Baths
3
Park
3
Sqft
1100-1500
DOM
16d
Score
16
Yield
3.8%
Cash on Cash
-7.2%
Cap Rate
3.0%
5Y IRR
9.9%
10Y IRR
10.2%
Property Type-Detached
MLS® Number-N13870652
Beds-3
Bathrooms-3
Size-1100-1500 sqft
Lot Size-54.55 × 145.53 ft
Listed on site-Oct 7, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,557.06 (2025)
Parking-5 - Detached
Basement-Apartment, Full, Separate Entrance, Walk-Out
Heating-Forced Air (Gas)
Brokerage-RE/MAX HALLMARK REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-TBA
Neighbourhood-Mill Pond
Title-Residential Freehold

No agent assigned

A Character-Filled Detached Residence In Richmond Hill's Established Mill Pond Community, Offering A Thoughtfully Updated Interior, Flexible Living Space And Exceptional Access To The Heart Of The City. The Seller Advises That The Property Has Undergone A Number Of Improvements, Including Conversion Of The Basement Into A Separate Living Area, Interior Painting, Replacement Of The Electrical Panel, Installation Of Three Ductless Split Systems Across Three Levels, Replacement Of Parquet Flooring, Removal Of Select Interior Partition Walls To Create A More Open Living Area, Renovation Of The Kitchen With Updated Cabinetry, Complete Renovation Of Both Bathrooms, Modification Of The Parking Area To Accommodate Two Vehicles, Pot Lighting Throughout, Boiler Improvements And A Gas Connection For Cooking. Ideally Located Near Yonge Street and Major Mackenzie Drive, With Convenient Access To Shopping, Restaurants, Cafés, public transit, and everyday amenities. Enjoy The Established Mill Pond Community With Mill Pond Park Nearby, Along With Richmond Hill Central Library, Richmond Hill Centre For The Performing Arts, Local Parks, Recreation And Schools Serving The Surrounding Area. A Compelling Opportunity For Buyers Seeking A Home With Character, Extensive Seller-Reported Improvements And A Central Richmond Hill Location.

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

Closing Costs

Mortgage Amount
$852,000
Land Transfer Taxes$17,775
Legal Fees (Est.)
$
Total cash required for closing$232,275

Total Monthly Obligation

$5,134/mo
Mortgage $4,296
Monthly Loss $4,004
Principal$1,130
Interest$3,165
Property Tax$463
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-10.9%1
5-Year IRR
7.0%18
10-Year IRR
8.2%
Returns Index
10.4/ 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
$40,656/yr
NOI
$26,533/yr
Net Cash Flow
-$2,085/mo
Cash Margin
-61.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo29
Risk Index
17.4/ 100

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

Comparables

Properties near 20 Elizabeth Street S

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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