522-1614 Charles Street, Whitby, ON
Port Whitby, Whitby · MLS® E13166736
About this home
Perfect opportunity for downsizers and first-time home buyers! This exceptionally sun-filled suite features bright, spacious rooms, an open-concept kitchen and living area, and a huge balcony - a true bonus for everyday living and entertaining. Residents of The Landing enjoy an exceptional range of amenities, including a fully equipped gym, yoga room, elegant party room, study/meeting workspace, lounge, pet wash, bike wash/repair station, event area with outdoor terrace and BBQs, and more. This beautifully designed unit offers 2 bedrooms, 2 bathrooms, and a versatile den. Parking and locker are included. Ideally situated just steps to the waterfront and within walking distance to the lake, scenic trails, parks, and the Whitby GO Station, making commuting effortless. Only minutes from major highways, shopping, dining, and all essential conveniences. A perfect blend of comfort, location, and lifestyle - this is condo living at its best!
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- E13166736
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 2
- Size
- 700-799
- Cross streets
- Hwy 401 W- Brock st S.
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Maintenance
- $694/mo
- Exposure
- South
- Days on market
- 55
- Listing brokerage
- RE/MAX IMPACT REALTY
Rooms
large window · double doors
large window · double doors
Listed at $629,000, this home is about 13% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Based on 7 similar homes nearby, adjusted for size, beds, and baths.Median of 7 comparable active listings, adjusted for size, beds, and baths.
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 $513K
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $558K
That comparable adjusts to $558K; the $558K estimate above is the median of all 7 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 2-minute walk away.
Total price vs nearby homes. Fair value about $558K, median of 7 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.
- Open-concept layout: modern, sought-after flow.
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 7 active listings nearby.
See all comparable homesThis home lists 19% above the area average of $707/sqft.
14 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 133 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 $503,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,685
- Property tax
- $393
- Condo / maintenance fees
- $694
- Heating
- $0
- Estimated monthly cost
- $3,772
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,055
- Estimated closing costs
- $9,055
Plus your down payment of $125,800. 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
- $161,116
- Principal paid down
- $64,083
- Interest paid
- $97,033
- Balance remaining
- $439,117
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 IMPACT REALTY. MLS®/PropTx.