12-303 Garden Street, Whitby, ON
Downtown Whitby, Whitby · MLS® E13506124
About this home
Discover easy, low-maintenance living in this beautifully updated 3-bedroom townhome, tucked away on a quiet, family-friendly court in one of Whitby's most convenient locations. Thoughtfully designed for busy professionals, commuters, downsizers, or anyone looking for a well-cared-for home without the upkeep of a large property.The bright, open-concept main floor offers a warm and inviting space to gather, featuring an updated kitchen with stainless steel appliances, a generous breakfast bar, and seamless flow into the living and dining areas.Upstairs, you'll find three spacious bedrooms and a stylishly renovated bathroom, while the versatile ground-level rec room can easily function as a home office, guest space, gym, or fourth bedroom. Direct garage access and a convenient 2-piece bath add to the home's functionality.Step outside to your private, maintenance-free patio - the perfect space to unwind, entertain, or enjoy morning coffee without the work of maintaining a traditional backyard.Located just minutes to Hwy 401 and the GO Train, this move-in-ready home is ideal for commuters seeking comfort, convenience, and carefree living. Well-managed complex with maintenance fees covering exterior upkeep, snow removal, and more. Close to parks, schools, shopping, restaurants, and everyday amenities.
Key facts
- Property type
- Condo Townhouse, 2-Storey
- MLS®
- E13506124
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 900-999
- Cross streets
- Garden St & Dundas St E
- Parking
- 1 garage (attached)
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stucco (Plaster)
- Maintenance
- $451/mo
- Exposure
- East
- Property tax
- $2,877 / 2025
- Days on market
- 17
- Listing brokerage
- Right At Home Realty
Listed at $499,900, this home is about 10% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in Downtown Whitby, so I widened the search to the surrounding area.
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 $441K, 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 $688K
- Size difference −$69K
- Adjusts to $619K
That comparable adjusts to $619K; the $453K 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, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Dundas St. @ Garden St. is about a 5-minute walk away.
Total price vs nearby homes. Fair value about $453K, 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Open-concept layout: modern, sought-after flow.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 12% above the area average of $471/sqft.
16 days faster than the Whitby average (33 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Downtown 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: Dundas St. @ Garden St., about 406 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 $399,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,134
- Property tax
- $240
- Condo / maintenance fees
- $451
- Heating
- $0
- Estimated monthly cost
- $2,825
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $6,473
- Estimated closing costs
- $6,473
Plus your down payment of $99,980. 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
- $128,047
- Principal paid down
- $50,930
- Interest paid
- $77,117
- Balance remaining
- $348,990
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 Right At Home Realty. MLS®/PropTx.