Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
Loading...Listing Image
1 / 0
Listed 8 days ago

81 Garden Street

Downtown Whitby, Whitby

$949,900

Detached|Bungalow
3 | 3 | 4
About this home

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 spectacular 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.

Extras

No extras listed.

Visit this home

Open houses

  • Sat, Aug 29

    2:00 PM – 4:00 PM

  • Sun, Aug 30

    2:00 PM – 4:00 PM

Or pick a time that works for you.

Got questions?

Contact Angela directly.

agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBungalow
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$6,927
Lot Size47.57 ft x 100.07 ft
mls© NumberE13697286
Listed ByREMAX YOUR COMMUNITY REALTY

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Schools

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$4,862
Property tax
$577
Heat allowance
$150
Housing costs
$5,589 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $189,980
25-yr amortization

Income needed

$172,000

gross annual household income

Payment at 4%
$3,997 / mo
Cash down
$189,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

Values and trends

Nearby listings

Comparable sales

  • No similar listings found.