$949,900 - 81 Garden Street, Whitby
Detached for Sale in Whitby
New — Listed 3 days agoNeighbourhood: Downtown Whitby
- MLS Number
- E13697286
- Property Type
- Detached
- Status
- active
- Days on Site
- 3
- Bedrooms
- 5
- Bathrooms
- 3
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- Whitby
- Listing Brokerage
- REMAX YOUR COMMUNITY REALTY
Exceptional Ravine Retreat with Incredible Multi-Generational & Investment Potential! Nestled on a premium ravine lot in the heart of Whitby, this unique hillside bungalow offers 2485sqft of living space over three finished levels of versatile living space designed to adapt to your family's needs. Featuring 5 spacious bedrooms, 3 bathrooms, multiple living areas, with each level having it's own separate entrance, this home presents an outstanding opportunity for multi-generational families, investors, or those seeking future income potential. The main level offers an inviting open-concept layout with a family-sized eat-in kitchen complete with Stainless Steel Appliances, Lots of Cupboards & Granite Countertops. Spacious living & dining areas, and a walk-out to a spectacular multi-level deck with gas hook-up overlooking the tranquil ravine, the perfect relaxing or entertaining spot. The primary bedroom features its own ensuite, while two additional bedrooms and a full bathroom complete the main level. The bright walk-out lower level includes two additional bedrooms, a full bathroom, an expansive family room with fireplace, and direct access to the multi-level deck. The finished basement offers a large recreation room with walk-out to a private patio, creating additional flexible space for extended family, home office, recreation, or future living quarters. Built into a natural slope, each of the home's three levels enjoys its own exterior entrance, making this an exceptional candidate for extended families, in-law living, or future income-generating. Enjoy the privacy of a ravine, mature trees, and peaceful outdoor living from every level while remaining just minutes from Downtown Whitby, GO Transit, Highway 401, schools, parks, restaurants, shopping, and every major convenience. A rare opportunity offering lifestyle, flexibility, and long-term investment potential in one of Whitby's most desirable established neighborhoods.
Estimate your monthly payments for this property
Estimated Payment
$4,873.48/mo
Includes CMHC insurance ($26,502)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Downtown Whitby
Downtown Whitby is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Downtown Whitby
- •Convenient location in Whitby
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Downtown Whitby offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
81 Garden Street, Whitby
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Fair Market Value
At $864/sqft, this property is priced in line with current Whitby market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Just Listed - Act Strategically
This property hit the market within the last week. In Whitby's current market, desirable homes often receive multiple offers within 5-7 days. If you're seriously interested, I recommend booking a showing immediately. However, never let urgency override due diligence - we'll still do proper inspections.
Detached Home Advantages
Detached homes in Whitby are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Excellent Flexibility
With 5 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in Whitby.
Bathroom Count Matters
With 3 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
About Downtown Whitby
I know Downtown Whitby well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.