311-1600 Charles Street, Whitby, ON
Port Whitby, Whitby · MLS® E13491930
About this home
Welcome to The Rowe, a beautifully designed and meticulously maintained condominium in the sought-after, Port of Whitby. At the Heart of this Waterfront Community, summers here mean enjoyable walks to the Whitby Marina, Boardwalk Trails, and Iroquois Sports Park - plus the convenience of every-day amenities and the near-by Downtown Whitby. Suite 311 is One of Only Two Units of its Kind -- a 2-Bedroom, 2-Bathroom Corner Suite with a Unique Double Balcony Layout with Dual Aspect North West and North East Views. The first, Oversized Balcony (6.5x19.25ft) features Sunset Views and Walk-Out from a Sun-Soaked Open Concept Living Room. Across the unit is a Spacious Primary Bedroom with 3pc Ensuite Bathroom, Sizeable W/I Closet, and the added luxury of a Second, Private Ensuite Balcony (5.25x13.92 ft), perfectly framing each morning's Sunrise. Beyond Stylish, this Suite is also Functional with the Space Condo Seekers Look For. A Commuter's Dream, the Owned Underground Parking Space means you can ditch the ice scraper and simply hit the road with Convenient Proximity to HWY 401. Or if Public Transit is more your speed - by foot, the Whitby GO Station is all but Moments Away. With Building Amenities that include: Lap Pool, Gym, Billiards Room, Rooftop Terrace, and on-site Concierge Security - Plus Inclusive Utilities like Water, Heat and High-Speed Internet - The Rowe offers a beautiful blend of Luxury and Value, while 311 provides an Opportunity for a Suite that is Truly Unique.
Key facts
- Property type
- Condo Apartment, 1 Storey/Apt
- MLS®
- E13491930
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 900-999
- Cross streets
- Victoria St W & Brock St S
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick Front, Concrete
- Maintenance
- $958/mo
- Exposure
- North West
- Property tax
- $4,409 / 2025
- Days on market
- 21
- Listing brokerage
- ROYAL HERITAGE REALTY LTD.
Rooms
3 pc ensuite · w/o to balcony · walk-in closet(s)
window floor to ceiling · double closet
open concept · centre island
w/o to balcony · open concept · combined w/living
open concept · w/o to balcony · combined w/dining
Listed at $624,999, this home is tracking about 10% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. 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 $593K, a bit lower.
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 $575K
- Adjusts to $575K
That comparable adjusts to $575K; the $695K 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 $695K, 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.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Primary suite: a key comfort and resale feature.
- Open-concept layout: modern, sought-after flow.
- Weigh carefully
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 9% below the area average of $722/sqft.
21 days faster than the Whitby average (42 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 26 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 $499,999 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,668
- Property tax
- $367
- Condo / maintenance fees
- $958
- Heating
- $0
- Estimated monthly cost
- $3,994
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $8,975
- Estimated closing costs
- $8,975
Plus your down payment of $125,000. 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
- $160,091
- Principal paid down
- $63,675
- Interest paid
- $96,416
- Balance remaining
- $436,324
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 ROYAL HERITAGE REALTY LTD.. MLS®/PropTx.