$999K · 3+3 bed Detached · Downtown Whitby, Whitby

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600 Dunlop Street

Whitby · Ontario L1N 1S9

MLS® E13444466 · Downtown Whitby · L1N 1S9

3+32TenantOccupied1100-1500 ft²Detached1-car Attached10d$768/ft²Lot 60.8 x 151.9 ft$6,288 tax/yr

26% above market · 10 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Location! Location! Location! Fully renovated rick Bungalow W/3Bdrs Is Situated On A Corner Big Lot At The Dead-End Quiet St In The Heart Of Whitby. Sep Entrance Apartment Basement-Rent Income. Bsmt Has Been Spray Foamed.. .Steps To School, Park, Library, Public Transit. 5 Mins To Hwy401. Won't Last Long. need to assume both tenant investment property

Property details

MLS#

E13444466

Status

Buy Now

Beds

3+3

Baths

2 full, 0 half

Size

1100-1500

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Brick

Garage: 1-car Attached
Garage spaces: 1
Parking: 5 total
Lot: 60.83 × 151.92
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: North
Cross street: Downtown Whitby
Basement: Apartment
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: Front Yard Parking

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $999,000✓ $6,288 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,422/mo

incl. closing costs (yr 1)

Annual total

$89,064

year 1

Mortgage only

$3,790/mo

principal + interest

Beyond mortgage

$1,803/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$199,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$524/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%$9,990/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$16,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $45,479/yr

Property taxes26% $22,743/yr

Utilities5% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,990/yr

Closing costs6% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$45,479	$3,790/mo
Government & taxes
Property tax	$6,288	$524/mo
Land transfer tax(closing)	$16,455	$1,371/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%)	$9,990	$833/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	$89,064	$7,422/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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600 Dunlop Street

About this home

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Property details

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Annual costs