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$750K · 3+1 bed Detached · Lynde Creek, Whitby | MyPropertyScout

$749,500

20 Cardiff Court

3+12OwnerOccupied

Map

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↓ $100,000PoolPrice Reduced

$749,500

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20 Cardiff Court

Whitby · Ontario L1N 5N9

MLS® E13434122 · Lynde Creek · L1N 5N9

3+12OwnerOccupied700-1100 ft²DetachedNonePool14d$833/ft²Lot 45.4 x 94 ft< .50 ac$5,342 tax/yrBuilt 195175 yrs old

Neighbourhood Range

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About this home

Welcome to this beautifully updated 3-bedroom, 2-bathroom side-split bungalow nestled in the heart of West Lynde, one of Whitby's most sought-after family-friendly communities. Situated on a quiet, tree-lined cul-de-sac and connected directly to Central Park right beside the home, this property offers the perfect blend of privacy, convenience, and neighborhood charm. Surrounded by a thriving community of young families in one of Whitby's booming areas, this home is ideally located close to publi…

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Property details

MLS#: E13434122
Status: Buy Now
Beds: 3+1
Baths: 2 full, 0 half
Size: 700-1100
Style: Bungalow
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Brick, Concrete Block
Other structures: Garden Shed, Greenhouse, Shed

Fireplaces: 2
Fireplace features: Fireplace Insert, Electric, Family Room, Rec Room

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 45.42 × 94
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: Yes
Waterfront: No
Exterior: Aluminum Siding, Brick Front · Deck
Fronting on: East
Cross street: MICHAEL BLVD
Basement: Partially Finished, Crawl Space, Half, Separate Entrance, Walk-Up
Stories: —
Utilities: —
Laundry: —
Interior: Bar Fridge, In-Law Capability, In-Law Suite, Primary Bedroom - Main Floor
Parking features: —

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Living Room	4.29m × 4.54m
Main	Dining Room	2.86m × 3.23m
Main	Kitchen	2.89m × 3.1m
Second	Primary Bedroom	3.38m × 3.26m
Second	Bedroom 2	2.56m × 3.6m
Second	Bedroom 3	2.6m × 2.97m
Basement	Great Room	3.6m × 5.45m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RIGHT AT HOME REALTY

Source: TRREB/PROPTX · MLS® E13434122

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$750K

20 Cardiff Court · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $749,500✓ $5,342 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,757/mo

incl. closing costs (yr 1)

Annual total

$69,082

year 1

Mortgage only

$2,843/mo

principal + interest

Beyond mortgage

$1,500/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$149,900

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$445/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/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%$7,495/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$11,465

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $34,120/yr

Property taxes24% $16,807/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,495/yr

Closing costs7% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$34,120	$2,843/mo
Government & taxes
Property tax	$5,342	$445/mo
Land transfer tax(closing)	$11,465	$955/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,495	$625/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	$69,082	$5,757/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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20 Cardiff Court

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs