444-1610 Charles Street, Whitby, ON
Port Whitby, Whitby · MLS® E13160884
About this home
Welcome to modern waterfront living at The Landing Whitby Harbour by Carttera. This bright and spacious Port House model is the perfect start for first-time buyers and professionals, offering two generously sized bedrooms, two bathrooms, soaring nine-foot ceilings, and sleek vinyl flooring throughout. Expansive windows fill the suite with natural light while showcasing stunning western exposures and views of Lake Ontario from your private walk-out balcony.Designed with both comfort and functionality in mind, this move-in-ready suite features exceptional in-unit storage, convenient ensuite laundry, private parking (deeded for wheelchair accessibility), and a dedicated storage locker.The building is tailored for an active and connected lifestyle, featuring 24-hour security, a modern fitness centre, yoga studio, versatile private and open workspaces, a dog wash station, bike repair area, and an inviting contemporary lounge with an outdoor terrace for barbecuing.Perfectly situated for both work and play, you are just steps from lakefront walking trails, parks, and the world-class Abilities Centre. Commuting is effortless with the Whitby GO Station and Highways 401, 418, and 407 only minutes away. With local dining, shopping, and entertainment all within easy reach, this waterfront enclave offers the ultimate balance of nature and urban convenience.
Key facts
- Property type
- Condo Apartment, 1 Storey/Apt
- MLS®
- E13160884
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 700-799
- Cross streets
- Victoria St. W & Charles St.
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Concrete
- Maintenance
- $696/mo
- Exposure
- West
- Property tax
- $2,432 / 2026
- Days on market
- 56
- Listing brokerage
- Re/Max Hallmark First Group Realty Ltd.
Rooms
3 pc ensuite · large closet · large window
w/o to balcony · west view · open concept
double closet · large window
overlooks living · pantry · stainless steel appl
walk-in closet(s) · 4 pc bath · combined w/laundry
Listing history
- Jul 2, 2026Listed$2,600
Price and status history from the listing board. Deemed reliable but not guaranteed.
Listed at $599,999, this home is tracking about 12% above a wider set of listings, though close matches were thin, so treat this as a rough read until I run a precise CMA. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 20 similar homes nearby, adjusted for size, beds, and baths.Median of 20 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $327K, lower than the comparables and worth a second look.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $499K
- Adjusts to $499K
That comparable adjusts to $499K; the $538K estimate above is the median of all 20 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Victoria Eastbound @ Charles is about a 1-minute walk away.
Total price vs nearby homes. Fair value about $538K, median of 20 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Worth verifying
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 12% above the area average of $714/sqft.
15 days longer than the Whitby average (41 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Port Whitby, Whitby, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: Victoria Eastbound @ Charles, about 105 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Whitby.
Get the full neighbourhood report (schools, parks, transit & safety) →
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $479,999 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,561
- Property tax
- $203
- Condo / maintenance fees
- $696
- Heating
- $0
- Estimated monthly cost
- $3,460
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $8,475
- Estimated closing costs
- $8,475
Plus your down payment of $120,000. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $153,687
- Principal paid down
- $61,128
- Interest paid
- $92,559
- Balance remaining
- $418,871
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of Re/Max Hallmark First Group Realty Ltd.. MLS®/PropTx.