39 Armilia Place, Whitby, ON

Rural Whitby, Whitby · MLS® E13505550

$1,489,000
For Sale
Listed 17 days ago
5Bedrooms
4Bathrooms
2Garage · 4 parking
3000-3500Sq Ft

About this home

Experience True Luxury In This Stunning, One-Of-A-kind Detached Home Perfectly Situated On A Rare And Breathtaking Ravine Lot In The Heart Of The Highly Sought-after Whitby Meadows Community. Offering Around 3,200 Sq. Ft. Of Premium Living Space And More Than $85,000 In Upgrades Beyond Builder Standards. From The Moment You Step Inside, You'll Be Captivated By Elegant Hardwood Flooring In The Living/Dining Area And Soaring 9-foot Smooth Ceilings Throughout Both The Main And Second Floors. The Spacious Open-concept Living And Dining Areas Are Designed For Both Entertaining And Everyday Luxury, Featuring Built-in Speaker Connections And An Exquisite Coffered Ceiling, While The Expansive Family Room Showcases A Cozy Fireplace And Stunning Architectural Detail. A Convenient Main-floor Office Provides The Perfect Work-From-Home Setup. The Gourmet Kitchen Is A True Showstopper, Complete With Stainless Steel Appliances, A Large Centre Island, And A Bright Breakfast Area Overlooking The Serene Ravine Setting. Upstairs, You'll Find Four Generously Sized Bedrooms, Including A Luxurious Primary Retreat With Breathtaking Ravine Views, A Spa-inspired 5-piece Ensuite, And A Walk-in Closet. The Second Bedroom Features Its Own Private 3-piece Ensuite And Walk-in Closet, While The Remaining Bedrooms Offer Large Windows And Ample Closet Space. A Convenient Second-floor Laundry Room Adds Everyday Practicality. The Unfinished Walk-out Basement Presents Endless Possibilities And Serves As A Blank Canvas Ready For Your Personal Vision. Additional Highlights Include Electric Car Charging Capability And Central Vacuum System Connections. Ideally Located Steps From Marcel Brunelle Park And Minutes From Top-rated Schools, Shopping, Dining, Walmart, Costco, And Everyday Amenities, With Easy Access To Highways 401, 407, And 412. Ultimate Luxury, Exceptional Space, And A Rare Ravine Setting Come Together In This Truly Irreplaceable Masterpiece Once You See It, Nothing Else Compares!

Key facts

Property type
Detached, 2-Storey
MLS®
E13505550
Bedrooms
5 (4 + 1)
Bathrooms
4 (1 half)
Size
3000-3500
Lot
41.99 × 97.77 ft
Cross streets
Corontaion Rd and Taunton rd
Parking
2 garage · 4 parking (attached)
Basement
Unfinished, Walk-Out
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Other
Roof
Other
Sewer
Sewer
Property tax
$11,779 / 2026
Days on market
17
Listing brokerage
RE/MAX ROUGE RIVER REALTY LTD.

Rooms

Primary BedroomSecond4.90 × 5.18 m

broadloom · 5 pc ensuite · walk-in closet(s)

Bedroom 4Second3.89 × 3.68 m

broadloom · closet · window

LaundrySecond0.00 × 0.00 m
Living RoomMain5.49 × 4.57 m

hardwood floor · coffered ceiling(s)

KitchenMain4.57 × 5.18 m

ceramic floor · stainless steel appl · centre island

BreakfastMain2.90 × 5.18 m

ceramic floor · sliding doors

Bedroom 2Second3.23 × 3.99 m

broadloom · 3 pc ensuite · walk-in closet(s)

OfficeMain3.02 × 3.05 m

hardwood floor · window

Family RoomMain5.18 × 4.57 m

hardwood floor · coffered ceiling(s) · fireplace

Bedroom 3Second3.96 × 3.38 m

broadloom · walk-in closet(s) · window

Moe’s TakeTeam Asgarian · Broker
In line
$1.49Mest. value

Listed at $1,489,000, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.

Based on 11 similar homes nearby, adjusted for size, beds, and baths.Median of 11 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.52M, 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 $1.22M
  • Bedrooms +$30K
  • Adjusts to $1.25M

That comparable adjusts to $1.25M; the $1.49M estimate above is the median of all 11 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, this is a more car-dependent spot, so buyers here typically drive. Country Lane Southbound @ Randolph is about a 10-minute walk away. Worth weighing if transit access matters to you.

List price
$1.41MGreat deal$1.68MOverpriced

Total price vs nearby homes. Fair value about $1.49M, median of 11 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.

  • Walk-out basement: natural light and strong in-law or income potential.
  • Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits.
  • Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
  • Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
  • Open-concept layout: modern, sought-after flow.
  • Income potential
  • Worth verifying
  • Value driver
  • Lifestyle
Comparable listingsCurrently listed nearby in Rural Whitby · asking prices
$1.54Mavg asking

The closest active listings by size, beds, and price, so you can see what this home is up against.

34 Huggins Drive$1.49M47 Fruitful Crescent$1.32M64 Closson Drive$1.90M32 Priory Drive$1.43M

The 4 closest active listings nearby.

See all comparable homes
1.49MThis home1.49M1.32M1.90M1.43MThis home vs active comparables
Live market pulseActive comparables in Rural Whitby · median list $1.43M
$458this home / sqft
14active listings nearby
17days on market

This home lists 2% below the area average of $469/sqft.

9 days longer than the Whitby average (8 days).

View comparable listings
This home
Below area avgAbove area avg

Price per square foot vs the area average.

Neighbourhood & location

Rural Whitby, Whitby, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Getting around

23/ 100

Car-DependentA 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.

Almost all errands require a car.

🚉 Nearest transit: Country Lane Southbound @ Randolph, about 804 m away

20+ transit stops8 parks

Within a 15-minute (1.5 km) walk.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Williamsburg
$1.03M
Lynde Creek
$1.22M
Pringle Creek
$1.04M
Taunton North
$1.16M
Downtown Whitby
$923K

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

Affordability
$6,786/mo
$295KIncome needed
5.0×Price ÷ income
$1,566Weekly cost
20% down4.79%25-yr amortization

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.

87%mortgage
Mortgage $6,786Property tax $982Total carry $7,768

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

$
20.0%
$
%
4.14%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$6,357per month

Mortgage amount $1,191,200 · 4.14% over 25 years

$297,800Down payment (20.0%)
$1,191,200Loan before insurance
$0CMHC premium
$7,338Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$6,357
Property tax
$982
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$7,338

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$26,255
Estimated closing costs
$26,255

Plus your down payment of $297,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.14%Qualifying rate
$7,721/monthPayment at the qualifying rate

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

$715,806Total interest paid
$1,907,006Total of all payments
Principal $1,191,200 Interest $715,806
YearPrincipalInterestBalance
1$27,906$48,375$1,163,294
2$29,073$47,207$1,134,221
3$30,289$45,991$1,103,932
4$31,556$44,724$1,072,376
5$32,876$43,404$1,039,500
6$34,251$42,029$1,005,249
7$35,684$40,596$969,566
8$37,176$39,104$932,389
9$38,731$37,549$893,658
10$40,351$35,929$853,306
11$42,039$34,241$811,267
12$43,798$32,483$767,469
13$45,630$30,651$721,840
14$47,538$28,742$674,301
15$49,527$26,753$624,775
16$51,598$24,682$573,176
17$53,757$22,524$519,419
18$56,005$20,275$463,414
19$58,348$17,932$405,066
20$60,788$15,492$344,278
21$63,331$12,949$280,947
22$65,980$10,300$214,966
23$68,740$7,540$146,226
24$71,615$4,665$74,611
25$74,611$1,669$0

At the end of your 5-year term

Total paid over the term
$381,401
Principal paid down
$151,700
Interest paid
$229,702
Balance remaining
$1,039,500

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.

Let's connect

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

Rental yield
Estimate$6,300/mo
$75,600Gross annual rent
3.6%Est. cap rate

Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

5.1%
Gross yield
− Property tax $11,779− Insurance $1,400− Vacancy & upkeep $8,316Net operating income $54,105

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX ROUGE RIVER REALTY LTD.. MLS®/PropTx.

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