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Investment signal

$900,000

10 VICTOR DRIVE

Beds

Baths

Sqft

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Year

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Location

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About this home

Beautifully appointed bungalow with a legal basement apartment and separate entrance-ideal for generating rental income while enjoying the main level, or perfectly suited for in-law or multigenerational living. Situated on an exceptionally large lot with future builder potential, this home is tucked away on a quiet, family-friendly dead-end street. The bright, open-concept upper level showcases hardwood flooring throughout, a stylish kitchen with stainless steel appliances and custom cabinetry, spacious bedrooms, and a well-appointed bathroom with a tub. A convenient laundry area completes the main floor. The legal lower-level legal apartment features its own kitchen and a beautifully finished bathroom, along with additional room before entering the lower unit (ideal for storage/ home office). The home is thoughtfully equipped with multiple electrical and gas rough-ins, including rough in for a natural gas generator and rough ins for a swim spa. An automatic transfer switch with backup power capability is already in place. Ample parking is available. Just steps from Musselman's Lake and only 10 minutes to Main Street, this versatile property offers exceptional lifestyle, income, and future potential. (id:65958)

Subtype: Single Family
Architectural style: Bungalow
Structure: House
Community: Rural Whitchurch-Stouffville
Common interest: Freehold
Lot dimensions: 102 x 148.9 FT
Bedrooms: 3 above grade, 3 below grade
Parking: 6 total
Stories: 1
On market: Jan 9, 2026
Status changed: Apr 13, 2026
Annual tax: $4,214 (2025)
Photos: 25
MLS#: N12681452
Area: WHITCHURCH-STOUFFVILLE

Features and systems

Parking

Detached GarageNo Garage

Basement

Apartment in basementSeparate entranceN/AN/A

Appliances

AllCentral VacuumWindow Coverings

Heating

Forced airNatural gas

Cooling

Central air conditioning

Exterior

Aluminum siding

Flooring

Hardwood

Foundation

Concrete

Lot

Carpet FreeIn-Law Suite

Utilities

Electricity

Negative cash flow ~$1,760/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)2026 default 5.49% — adjust to your rate holdAmortization (years)

Cash on cash

-11.73%

Cap rate

3.54%

GRM

16.7

Break-even rent

$6,352

Financing

Down payment$180,000

Loan amount$720,000

Mortgage$4,417/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$413

Insurance$80

Maintenance$750

CapEx reserve$375

Vacancy loss$225

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Lifestyle nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Whitchurch-Stouffville. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

Mortgage estimate

Estimated $4,417/mo at 5.49% with 20% down, 25-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 13, 2026.