214-580 Mary Street, Whitby, ON
Downtown Whitby, Whitby · MLS® E13530384
About this home
Visit REALTOR website for additional information. Updated 2 storey, 3 bedroom, 2 bath condo apartment (1,395 sq ft) located in the heart of Whitby. Very affordable suite with low condo fees ($507/month). Prime location close to downtown, shopping, restaurants, highly rated schools, rec centre and waterfront parks. Easy access to Whitby GO Station and Hwy 401 for commuters. This beautiful unit shows 10+ and is an absolute must see. Perfect for first time buyers and young families ready to start their home ownership journey. Quiet mature part of Whitby backing highly rated Julie Payette French Immersion School. Open concept main floor features new hardwood flooring and custom light fixtures. Spacious living and dining area complete with a cozy electric fireplace. Large eat-in kitchen boasts ceramic tile floor & backsplash, stainless steel appliances and walkout to a private terrace. Also a 2 pc powder room on the main level. The upper level has 3 good sized bedrooms (all with hardwood flooring, double closets & large windows), and a 4 pc bath. Other highlights: freshly painted with neutral decor; updated electrical; new windows 2025; new built-in microwave oven in kitchen; maintenance fee includes water; 1 parking spot + visitor parking; nicely landscaped and well maintained property. This is a perfect opportunity to enjoy a low maintenance lifestyle with no grass cutting or snow shoveling required. Don't miss out on this spacious, move-in ready condo!
Key facts
- Property type
- Condo Apartment, 2-Storey
- MLS®
- E13530384
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 1200-1399
- Cross streets
- Dundas/Garden
- Parking
- 1 parking
- Basement
- None
- Heating
- Baseboard
- A/C
- Wall Unit(s)
- Exterior
- Brick
- Maintenance
- $507/mo
- Exposure
- East
- Property tax
- $2,864 / 2025
- Days on market
- 10
- Listing brokerage
- PG DIRECT REALTY LTD.
Rooms
renovated · stainless steel appl · w/o to balcony
broadloom · window · closet
broadloom · window · closet
2 pc bath · renovated · ceramic floor
Renovated
broadloom · window · closet
combined w/dining · hardwood floor · window
Heads up: the asking price here sits well below what comparable listings suggest. In this market that usually means it is priced to draw multiple offers, so plan for competition and a final number above asking. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairOn 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 4-minute walk away.
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.
- Recent major systems: lower near-term capital costs, ask for the ages and any warranties.
- 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 5 closest of 8 active listings nearby.
See all comparable homes32 days faster than the Whitby average (42 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 307 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 $319,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,707
- Property tax
- $239
- Condo / maintenance fees
- $507
- Heating
- $0
- Estimated monthly cost
- $2,453
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $4,474
- Estimated closing costs
- $4,474
Plus your down payment of $79,980. 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
- $102,433
- Principal paid down
- $40,742
- Interest paid
- $61,691
- Balance remaining
- $279,178
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 PG DIRECT REALTY LTD.. MLS®/PropTx.