$1.90M · 4+1 bed Detached · Downtown Whitby, Whitby

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About this home

Live and work from home in this mix-use home that's perfect for a lawyer, accountant, interior designer and more! Looking for a home with prestige and still close to the all amenities? Look no further with this well appointed home that is within walking distance to all shops, bistros, and Go-Train with quick access to Toronto! Soaring grand ceilings on both the main and second floors set the tone for the home's stately presence. Original hardwood floors span the first two levels, preserving the…

Property details

MLS#

E13448102

Status

Buy Now

Beds

4+1

Baths

4 full, 0 half

Size

3500-5000

Style

3-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete, Poured Concrete

Fireplaces: 4
Fireplace features: Electric, Natural Gas, Living Room

Garage: 2-car Detached
Garage spaces: 2
Parking: 12 total
Lot: 105.92 × 116
Heating: Radiant
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick, Board & Batten · Awnings, Deck, Landscaped, Porch Enclosed, Porch
Fronting on: South
Cross street: Brock St/Trent St W
Basement: Partially Finished, Full
Stories: —
Utilities: —
Laundry: —
Interior: None, Auto Garage Door Remote, Carpet Free, Garburator, Steam Room
Parking features: Private Double

Rooms

Level	Room	Dimensions
Ground	Living Room	4.37m × 6.58m
Ground	Dining Room	4.37m × 5.08m
Ground	Kitchen	3.61m × 4.57m
Ground	Breakfast	2.97m × 3.07m
Ground	Sunroom	5.61m × 5.79m
Ground	Library	3.38m × 4.57m
Second	Bedroom	4.32m × 4.57m
Second	Bedroom	4.32m × 4.57m
Second	Bedroom	3.12m × 6.38m
Second	Laundry	3.07m × 3.58m
Second	Exercise Room	6.38m × 7.16m
Third	Primary Bedroom	7.11m × 7.19m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,899,900✓ $13,708 tax✓ Gas✓ 3500-5000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$13,917/mo

incl. closing costs (yr 1)

Annual total

$167,002

year 1

Mortgage only

$7,208/mo

principal + interest

Beyond mortgage

$3,378/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$379,980

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,142/mo

Utilities

Hydro / electricity$298/mo

≈ $0.07/ft² × ~4,250 ft² · ON avg ~$298/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%$18,999/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$34,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)52% $86,492/yr

Property taxes29% $48,181/yr

Utilities4% $6,630/yr

Insurance & security1% $1,600/yr

Maintenance11% $18,999/yr

Closing costs3% $5,100/yr

Mortgage is 52% of your true cost of ownership. The other 48% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$86,492	$7,208/mo
Government & taxes
Property tax	$13,708	$1,142/mo
Land transfer tax(closing)	$34,473	$2,873/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$3,570	$298/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$18,999	$1,583/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	$167,002	$13,917/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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305 Trent Street

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Property details

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Rooms

Sales History

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Annual costs