$530K · 3 bed Condo Apartment · Downtown Whitby, Whitby

Loading neighbourhood intel…

About this home

Beautifully updated, ground-level 3-bedroom condo apartment in the heart of Downtown Whitby! This spacious and functional layout offers the rare convenience of two full bathrooms, including a newly added 3-piece bath and a beautifully refreshed second bathroom (both 2025). Seamlessly blending convenience and space, this home is ideal for families, first-time buyers, or downsizers looking to establish roots in a highly desirable, walkable community.Step into bright, inviting living spaces and a m…

Property details

MLS#

E13439882

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

Apartment

Type

Condo Apartment

Year built

—

Roof: Asphalt Shingle

Condo corp #: 143
Balcony: None
Locker: Ensuite+Owned
Fees include: Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Aluminum Siding, Brick
Fronting on: —
Cross street: Mary St / Garden St
Basement: None
Stories: —
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: —

Level	Room	Dimensions
Main	Kitchen	5.1m × 2.41m
Main	Living Room	3.38m × 3.38m
Main	Primary Bedroom	2.7m × 4.08m
Main	Bedroom 2	3.3m × 3.1m
Main	Bedroom 3	3.29m × 2.82m

Level

Room

Dimensions

Main

Kitchen

5.1m × 2.41m

Main

Living Room

3.38m × 3.38m

Main

Primary Bedroom

2.7m × 4.08m

Main

Bedroom 2

3.3m × 3.1m

Main

Bedroom 3

3.29m × 2.82m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $529,900✓ $2,318 tax✓ Electric✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,561/mo

incl. closing costs (yr 1)

Annual total

$54,736

year 1

Mortgage only

$2,010/mo

principal + interest

Beyond mortgage

$1,503/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$105,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$193/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,100 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$5,299/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

Condo / HOA fees (mo)$47/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $24,123/yr

Property taxes17% $9,391/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,299/yr

Condo fees12% $6,763/yr

Closing costs9% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$24,123	$2,010/mo
Government & taxes
Property tax	$2,318	$193/mo
Land transfer tax(closing)	$7,073	$589/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,299	$442/mo
Condo fees
Condo / HOA fees	$6,763	$564/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	$54,736	$4,561/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.

Unlock Insider Deals

Sign in

Unit 2

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

Request a Showing

Request a Showing

Annual costs