54 Valley Road, Whitchurch-Stouffville

$989,000
54 Valley Road

$989,000

New
7d
Detached2-Storey

54 Valley Road, Whitchurch-Stouffville

Total Monthly Obligation $4,672

Beds
3
Baths
3
Park
6
Sqft
1500-2000
DOM
7d
Score
18
Yield
4.3%
Cash on Cash
-4.5%
Cap Rate
3.6%
5Y IRR
12.0%
10Y IRR
11.8%
Property Type-Detached
MLS® Number-N14089176
Beds-3
Bathrooms-3
Size-1500-2000 sqft
Lot Size-50 × 90 ft
Listed on site-Oct 16, 2026
Style-2-Storey
Building Type-Detached
Age-6-15
Taxes-$3,695 (2026)
Parking-6 - None
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX PRIME PROPERTIES
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Vinyl Siding, Stone
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Septic
Possession-Flexible
Neighbourhood-Rural Whitchurch-Stouffville
Title-Residential Freehold

No agent assigned

Built in 2020, this 3 bed, 3 bath home offers over 2,200 sq ft of total living space in the Musselman's Lake community. Small-town lake life, with Stouffville just minutes away. The main floor has 9 ft ceilings and a custom kitchen with quartz counters, newer stainless steel appliances and a breakfast bar. The dining room walks out to the deck, so summer dinners move outside easily. The deck is also equipped with a convenient natural gas BBQ hookup.Two bedrooms and a bathroom on the main level offer flexibility for kids, guests, or a home office. Upstairs, the primary suite is your own retreat, with a sitting area, and an ensuite with a soaker tub and separate glass shower. With two custom walk in closets, (one closet has a laundry rough-in, so second-floor laundry is an easy add). The full-height basement offers a spacious family room, three-piece bathroom, laundry area, and a rough-in for a future kitchen, creating excellent potential for an in-law suite. As an added bonus, both the hot water tank and water softener are owned, not rented. Outside is a large yard with a big deck and covered gazebo, made for entertaining. There's a garden shed with a garage door for your toys and tools, and parking for 6. Life here is all about the lake. Walk to Coultice Park, grab dinner at Fishbone by the Lake, or stop for ice cream on a summer night. It's the kind of street where you wave to neighbours on your evening dog walk. Need some forest bathing? The York Regional Forest is just up Ninth Line, with trails for hiking and mountain biking. Main Street Stouffville has indie cafés, boutique shops, and festivals all year round, with big box stores and all the everyday services you could need, just around the corner. Stouffville has two GO stations, Stouffville and Old Elm, are just minutes away. A newer home, room to grow, and a real community feel. Come see it for yourself! OPEN HOUSE SAT OCT 24th & SUN OCT 25th 1-4PM

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$791,200
Land Transfer Taxes$16,255
Legal Fees (Est.)
$
Total cash required for closing$215,555

Total Monthly Obligation

$4,672/mo
Mortgage $3,989
Monthly Loss $3,622
Principal$1,050
Interest$2,940
Property Tax$308
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.5%1
5-Year IRR
8.9%28
10-Year IRR
9.7%
Returns Index
15.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$42,240/yr
NOI
$29,821/yr
Net Cash Flow
-$1,504/mo
Cash Margin
-42.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.628
LTV Ratio
80.0%18
Vacancy Buffer
2.1 mo32
Risk Index
19.3/ 100

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

Comparables

Properties near 54 Valley Road

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