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Investment signal

$859,900

704 BROCK STREET S

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Beds

Baths

Sqft

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Year

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Type

Single Family

Suite

Investment signal

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Location nearby

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

About this home

Exceptional investment opportunity in the heart of Downtown Whitby! This legal duplex offers over 2,000 sq ft of total living space with potential to convert into three income-generating units & sides to the park! Featuring 3+1 bedrooms, 3 bathrooms, two laundry rooms, three separate entrances, and a kitchen on every level, this property is perfectly set up for multi-unit living or strong rental cash flow. The bright upper unit walks out to a deck overlooking Rotary Centennial Park, with views of summer concerts at the gazebo and a generous backyard. Just steps to transit, schools, shops, and restaurants, and minutes to Highways 401 and 412, this is a rare opportunity to own a versatile, high-demand property in a prime location. 3+ Car Driveway! (id:65958)

Subtype: Single Family
Structure: House
Community: Downtown Whitby
Common interest: Freehold
Lot dimensions: 43.1 x 91.2 FT
Bedrooms: 3 above grade, 1 below grade
Parking: 5 total
Stories: 2
On market: Apr 22, 2026
Status changed: Apr 22, 2026
Annual tax: $5,661.69
Zoning: R3
Photos: 41
MLS#: E13030888
Area: WHITBY_(DOWNTOWN_WHITBY)

Features and systems

Parking

Attached GarageGarage

Basement

FinishedApartment in basementSeparate entranceWalk-upN/AN/AN/AN/A

Appliances

WasherRefrigeratorStoveDryerWater Heater

Heating

Forced airNatural gas

Cooling

Central air conditioning

Exterior

BrickVinyl siding

Flooring

TileLaminateParquet

Foundation

Concrete

Lot

In-Law Suite

Utilities

SewerElectricityCable

Negative cash flow ~$950/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)Default 4.5% — adjust to your rate holdAmortization (years)

Cash on cash

-6.63%

Cap rate

3.54%

GRM

16.7

Break-even rent

$5,300

Financing

Down payment$171,980

Loan amount$687,920

Mortgage$3,486/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$394

Insurance$80

Maintenance$717

CapEx reserve$358

Vacancy loss$215

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 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.

Mortgage estimate

Estimated $3,486/mo at 4.5% with 20% down, 30-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 22, 2026.