20 Bertram Gate, Whitby, ON
Rural Whitby, Whitby · MLS® E13457982
About this home
Welcome to 20 Bertram Gate, a beautifully upgraded 2023-built home in Whitby's sought-after Queens Commons community. Offering a thoughtfully designed living space with premium upgrades, this four-bedroom, three-bathroom home blends modern style with everyday functionality. The bright main floor features nine-foot ceilings, matte-finish engineered hardwood flooring, and an open-concept layout ideal for family living and entertaining. The spacious family room is anchored by a cozy fireplace, while the gourmet kitchen showcases granite countertops, modern cabinetry, a large centre island, and a walkout to the backyard. Upstairs, the generous primary suite offers walk-in closets and a luxurious five-piece ensuite with a freestanding tub and frameless glass shower. Three additional bedrooms, a second-floor laundry room, and an upgraded oak staircase complete the upper level. The unfinished basement includes a three-piece bathroom rough-in, providing outstanding potential for future living space. Perfectly situated just minutes from Highways 401 and 412, this home is close to shopping, restaurants, parks, trails, and everyday conveniences. Walk to one of Durham Region's largest multi-specialty medical clinics, with a new school and food plaza coming soon, making this an exceptional opportunity in one of Whitby's fastest-growing family communities.
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- E13457982
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000
- Lot
- 24.61 × 109.91 ft
- Cross streets
- Des Newman-S. Of Rossland West
- Parking
- 1 garage · 3 parking (built-in)
- Driveway
- Private
- Basement
- Full, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Other
- Roof
- Other
- Sewer
- Sewer
- Property tax
- $6,514 / 2025
- Days on market
- 30
- Listing brokerage
- RE/MAX HALLMARK REALTY LTD.
Rooms
Combined w/Dining
Listed at $899,900, this home is about 8% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in Rural Whitby, so I widened the search to the surrounding area.
Based on 5 similar homes nearby, adjusted for size, beds, and baths.Median of 5 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $979K, a close match.
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 $949K
- Adjusts to $949K
That comparable adjusts to $949K; the $979K estimate above is the median of all 5 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. Des Newman Southbound @ Bertram is about a 1-minute walk away.
Total price vs nearby homes. Fair value about $979K, median of 5 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Primary suite: a key comfort and resale feature.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Lifestyle
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% below the area average of $582/sqft.
20 days faster than the Whitby average (50 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Rural Whitby, Whitby, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Somewhat 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.
Some errands on foot, but most trips need a car.
🚉 Nearest transit: Des Newman Southbound @ Bertram, about 111 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 $719,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,842
- Property tax
- $543
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,385
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,473
- Estimated closing costs
- $14,473
Plus your down payment of $179,980. 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
- $230,506
- Principal paid down
- $91,682
- Interest paid
- $138,824
- Balance remaining
- $628,238
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 REALTY LTD.. MLS®/PropTx.