$1.80M · 3+2 bed Detached · Rolling Acres, Whitby

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About this home

Rarely offered Custom Built Bungalow on a massive lot with a circular drive and a drive thru garage in a highly desirable friendly Neighbourhood. . This immaculate home shows of pride of ownership and will impress the most discerning buyer. The grand entrance has double doors that lead to a foyer with cathedral ceilings. Kitchen has been renovated from top to bottom with a quartz island, crown mouldings, high end 36' gas range and fridge, Fotile range hood and more. The primary bedroom has a pri…

Property details

MLS#

E13437852

Status

Buy Now

Beds

3+2

Baths

3 full, 0 half

Size

2500-3000

Style

Bungalow

Type

Detached

Year built

—

Roof: Shingles
Foundation: Concrete Block

Fireplace features: Natural Gas

Garage: 2-car Attached
Garage spaces: 2
Parking: 11 total
Lot: 70 × 210
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: East
Cross street: Garrard/Taunton
Basement: Walk-Out, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Bar Fridge, Carpet Free, Central Vacuum, Other, Primary Bedroom - Main Floor, Rough-In Bath
Parking features: Circular Drive

Level	Room	Dimensions
Main	Foyer	10.09m × 3.22m
Main	Office	4.19m × 3.71m
Main	Dining Room	5.59m × 3.71m
Main	Den	3.15m × 2.46m
Main	Family Room	3.71m × 7.67m
Main	Kitchen	3.71m × 8.26m
Main	Primary Bedroom	3.78m × 5.69m
Main	Bedroom 2	4.32m × 3.61m
Main	Bedroom 3	3.71m × 3.51m
Main	Laundry	2.72m × 4.32m

Level

Room

Dimensions

Main

Foyer

10.09m × 3.22m

Main

Office

4.19m × 3.71m

Main

Dining Room

5.59m × 3.71m

Main

Den

3.15m × 2.46m

Main

Family Room

3.71m × 7.67m

Main

Kitchen

3.71m × 8.26m

Main

Primary Bedroom

3.78m × 5.69m

Main

Bedroom 2

4.32m × 3.61m

Main

Bedroom 3

3.71m × 3.51m

Main

Laundry

2.72m × 4.32m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,799,888✓ $11,443 tax✓ Gas✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$12,994/mo

incl. closing costs (yr 1)

Annual total

$155,924

year 1

Mortgage only

$6,828/mo

principal + interest

Beyond mortgage

$3,001/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$359,978

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$954/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/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%$17,999/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$32,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $81,939/yr

Property taxes28% $43,916/yr

Utilities3% $5,370/yr

Insurance & security1% $1,600/yr

Maintenance12% $17,999/yr

Closing costs3% $5,100/yr

Mortgage is 53% of your true cost of ownership. The other 47% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$81,939	$6,828/mo
Government & taxes
Property tax	$11,443	$954/mo
Land transfer tax(closing)	$32,473	$2,706/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$17,999	$1,500/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	$155,924	$12,994/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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3531 Garrard Road

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