6 Merchants Avenue, Whitby, ON
Williamsburg, Whitby · MLS® E13566756
About this home
Set on a beautifully maintained lot in one of Whitby's most sought-after family neighbourhoods, this all-brick Williamsburg home showcases the kind of pride of ownership that buyers hope to find but rarely do. Offering 4 bedrooms, 3 bathrooms, a double-car garage, and a finished basement, this is a home designed to grow with your family.The main floor is warm, bright, and designed with both everyday living and entertaining in mind. Separate living and family rooms, a formal dining room, hardwood flooring, updated trim and lighting, and a cozy gas fireplace create inviting spaces throughout. The well-appointed kitchen features granite countertops, stainless steel appliances, a gas stove, pot lights, and oversized patio doors that flood the space with natural light. A walkout off the kitchen leads directly to the deck and backyard, complete with a natural gas BBQ hookup for effortless indoor-outdoor living.Upstairs, you'll find four spacious bedrooms, including a generous primary retreat with a walk-in closet and private 4-piece ensuite. The finished basement adds valuable living space with a large rec room, workshop area, and abundant storage.Outside, the backyard is a sunny retreat designed for relaxing and entertaining, featuring a spacious deck, beautiful garden shed, raised garden beds, and a brand-new hot tub. Main floor laundry with interior garage access and a double-car garage with a 220V outlet for a welder or future EV charger add everyday convenience and versatility.Located in the heart of Williamsburg, one of Whitby's most beloved family communities, residents enjoy top-rated schools, beautiful parks, trails, and convenient access to Heber Down Conservation Area, Highways 401, 412, and 407. Whether you're moving up within the neighbourhood or discovering Williamsburg for the first time, 6 Merchants Avenue offers the space, warmth, and exceptional care that make a house truly feel like home.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13566756
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500
- Lot
- 36.46 × 114.07 ft
- Cross streets
- Cochrane St. & Medland Ave.
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private Double
- Basement
- Full, Partially Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,967 / 2025
- Days on market
- 2
- Listing brokerage
- COLDWELL BANKER - R.M.R. Real Estate
Rooms
combined w/dining · pot lights
finished · broadloom
closet · large window · broadloom
hardwood floor · gas fireplace
stainless steel appl · ceramic floor · w/o to deck
hardwood floor · closet · large window
combined w/living · pot lights · large window
large window · closet · broadloom
4 pc ensuite · walk-in closet(s) · large window
Listed at $1,070,000, this home is within the range of comparable homes, on the higher side. The number above is my independent estimate of value, not the asking price.
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 $958K, 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 $960K
- Bathrooms −$15K
- Adjusts to $945K
That comparable adjusts to $945K; the $985K 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. Cochrane Southbound @ Medland is about a 2-minute walk away.
Total price vs nearby homes. Fair value about $985K, 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.
- Primary suite: a key comfort and resale feature.
- 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 active listings nearby.
See all comparable homesThis home lists 5% above the area average of $452/sqft.
6 days faster than the Whitby average (8 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Williamsburg, 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: Cochrane Southbound @ Medland, about 175 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 $856,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,568
- Property tax
- $581
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,149
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $17,875
- Estimated closing costs
- $17,875
Plus your down payment of $214,000. 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
- $274,076
- Principal paid down
- $109,012
- Interest paid
- $165,064
- Balance remaining
- $746,988
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 COLDWELL BANKER - R.M.R. Real Estate. MLS®/PropTx.