For SaleDetached · BungalowMLS® #E13697286 · TRREB MLS®
81 Garden St, Whitby, Ontario
Downtown Whitby, Whitby, Ontario L1N 9E7
- Bedrooms
- 3+2
- Lot Size
- 47.57 x 100.07 ft
- Bathrooms
- 3
- Type
- Detached
- Basement
- Finished with Walk-Out
$949,900
Estimated market value
About 81 Garden St
81 Garden St is a 3+2-bedroom, 3-bathroom detached house in Downtown Whitby, Whitby, listed for sale at an asking price of $949,900 (MLS® E13697286).
Exceptional Ravine Retreat with Incredible Multi-Generational & Investment Potential! Nestled on a premium ravine lot in the heart of Whitby, this unique hillside bungalow offers 2485sqft of living space over three finished levels of versatile living space designed to adapt to your family's needs. Featuring 5 spacious bedrooms, 3 bathrooms, multiple living areas, with each level having it's own separate entrance, this home presents an outstanding opportunity for multi-generational families, investors, or those seeking future income potential. The main level offers an inviting open-concept layout with a family-sized eat-in kitchen complete with Stainless Steel Appliances, Lots of Cupboards & Granite Countertops. Spacious living & dining areas, and a walk-out to a multi-level deck with gas hook-up overlooking the tranquil ravine, the perfect relaxing or entertaining spot. The primary bedroom features its own ensuite, while two additional bedrooms and a full bathroom complete the main level. The bright walk-out lower level includes two additional bedrooms, a full bathroom, an expansive family room with fireplace, and direct access to the multi-level deck. The finished basement offers a large recreation room with walk-out to a private patio, creating additional flexible space for extended family, home office, recreation, or future living quarters. Built into a natural slope, each of the home's three levels enjoys its own exterior entrance, making this an exceptional candidate for extended families, in-law living, or future income-generating. Enjoy the privacy of a ravine, mature trees, and peaceful outdoor living from every level while remaining just minutes from Downtown Whitby, GO Transit, Highway 401, schools, parks, restaurants, shopping, and every major convenience. A rare opportunity offering lifestyle, flexibility, and long-term investment potential in one of Whitby's most desirable established neighborhoods.
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $6,927 / 2025
- MLS® number
- E13697286
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 47.57 x 100.07 ft
- Listed on
- Parking
- 2 Built-In, 4 Parking
Listing history
Buy/sell history for 81 Garden St, Whitby, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $949,900 | N/A | For Sale | E13697286 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Domin Kurian for a full comparative market analysis.
Property details
Property
- Property Type
- Detached
- Style
- Bungalow
- Community
- Downtown Whitby
- Municipality
- Whitby
Building
- Size
- 1100-1500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 3+2
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc Lower, 1 × 3pc Main
- Basement Type
- Finished with Walk-Out
- Kitchens
- 1
Parking
- Driveway
- Pvt Double
- Garage Type
- Built-In
- Garage
- 2
- Additional Parking
- 2
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 47.57 ft
- Depth
- 100.07 ft
- Lot Size
- 47.57 x 100.07 ft
Additional
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- EV Charger. Stainless Steel: Fridge, Stove, Dishwasher. Washer & Dryer. All Electrical LightFixtures. Garage Door Opener. Bonus for Investors: Currently occupied by reliable, rent-paying tenants who are willing to remain, offering investors the opportunity for continued rental income. For buyers intending to occupy the property as their primary residence, a signed N11 Agreement to End the Tenancy is in place, with a termination date of February 28, 2027. Some photos have been virtually edited to remove personal belongings, while maintaining the structural and permanent features of the home.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.62 × 4.55 m | hardwood floor, O/Looks Ravine, Picture Window | Main |
| Dining | 10.2 × 3.35 m | hardwood floor, O/Looks Ravine, W/O To Deck | Main |
| Kitchen | 3.76 × 4.81 m | hardwood floor, Stainless Steel Appl, Backsplash | Main |
| Primary | 3.75 × 4.87 m | hardwood floor, 3 Pc Ensuite, O/Looks Ravine | Main |
| 2nd Br | 3.46 × 3.44 m | Laminate, Closet, Large Window | Main |
| 3rd Br | 3.12 × 3.34 m | hardwood floor, Double Closet, Large Window | Main |
| 4th Br | 3.85 × 4.65 m | Laminate, Closet, Window | Lower |
| 5th Br | 3.15 × 4.11 m | Laminate, Closet, O/Looks Ravine | Lower |
| Family | 4.19 × 7.35 m | Laminate, Gas Fireplace, W/O To Deck | Lower |
| Rec | 3.75 × 10.08 m | Broadloom, Gas Fireplace, W/O To Patio | Bsmt |
Map and tour
Detached homes for sale in Downtown Whitby right now
- For sale now
- 19
- Median asking price
- $839K
- New in 7 days
- 4
- Price cuts
- 16%
Middle half: $772K to $950K
11 in 28 days
3 listings
This home is asking 13% above the median, higher than three quarters of them.
See all homes in Downtown WhitbyAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $15,473
- Total land transfer tax
- $15,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $11,473
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $949,900
- $10,998
- Ontario total
- $15,473
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m3 test or monitoring holes also recorded.250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 4.8 km4.8 km
Province of Ontario open data
Around the home2
- Nearest rail line: 610 m610 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is J.H. McNairn Limited, 1.3 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Elexicon Energy Inc.At the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (10 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Dash Networks, Rogers, Ruralwave, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Central Lake Ontario Conservationor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| ÉÉC Jean-Paul IIConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 450 m | 85%Grade 6 average |
| Julie PayetteDurham DSB | Public · grades JK–8 · French Immersion | 850 m | 84%Grade 6 average |
| C E Broughton Public SchoolDurham DSB | Public · grades JK–8 | 900 m | 67%Grade 6 average |
| St Theresa Catholic SchoolDurham CDSB | Catholic · grades JK–8 | 1.1 km | 75%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Anderson Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 · French Immersion | 1.1 km | 62%Grade 9 math |
| Henry Street High SchoolDurham DSB | Public · grades 9–12 | 1.3 km | 65%Grade 9 math |
| All Saints Catholic Secondary School Secondary SchoolDurham CDSB | Catholic · grades 9–12 | 3.3 km | 66%Grade 9 math |
| ÉSC Saint-Charles-GarnierConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 4.8 km | 67%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Whitby GO | GO Transit train: Lakeshore East | 1.7 km |
| Durham College Oshawa GO | GO Transit train: Lakeshore East | 3.8 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Lot
- Lot area
- 4,760 sq ft442 m²
- Street frontage
- 47.57 ft14.5 m
- Depth
- 100.07 ft30.5 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by MPAC.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $189,980
- Total mortgage amount
- $759,920
- Total interest payment
- $540,280
- Total purchase cost
- $1,490,180
- Mortgage payment
- $4,334/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$4,911- Rent $0
- Shortfall $4,911
Rental income starts at $0: enter the rent you expect. This is a planning tool, not advice.
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