$780K · 3+1 bed Detached · Pringle Creek, Whitby

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About this home

Welcome to this delightful 3+1 bedroom, 3 bathroom home nestled in the highly sought-after Pringle Creek neighbourhood. Perfect for first-time buyers and growing families, this property offers a wonderful blend of comfort, charm, and thoughtful upgrades throughout.The upgraded kitchen features new countertops, a fresh backsplash, and a new sink - a bright and functional space ideal for cooking and entertaining. The inviting living area is anchored by a professionally installed wood-burning stove…

Property details

MLS#

E13433320

Status

Buy Now

Beds

3+1

Baths

3 full, 0 half

Size

1100-1500

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Lot: 30 × 139
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: South
Cross street: Brock St/Manning
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Kitchen	4.11m × 2.77m
Main	Breakfast	4.11m × 2.77m
Main	Dining Room	5.33m × 4.93m
Main	Living Room	5.33m × 4.93m
Second	Primary Bedroom	4.6m × 3.6m
Second	Bedroom 2	2.77m × 3.32m
Second	Bedroom 3	4.39m × 2.47m
Basement	Recreation	4.18m × 4.82m
Basement	Bedroom	3.44m × 1.86m
Basement	Kitchen	2.8m × 1.3m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $780,000✓ $4,636 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,906/mo

incl. closing costs (yr 1)

Annual total

$70,872

year 1

Mortgage only

$2,959/mo

principal + interest

Beyond mortgage

$1,482/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$156,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$386/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$7,800/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$12,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $35,509/yr

Property taxes24% $16,711/yr

Utilities6% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,800/yr

Closing costs7% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$35,509	$2,959/mo
Government & taxes
Property tax	$4,636	$386/mo
Land transfer tax(closing)	$12,075	$1,006/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,800	$650/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$70,872	$5,906/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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33 Harrison Court

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Annual costs