410-1600 Charles Street, Whitby, ON
Port Whitby, Whitby · MLS® E13568234
About this home
Welcome to The Rowe, unit 410. A one-bedroom condo located in the Port of Whitby. Where you will enjoy the ultimate lifestyle, surrounded by exceptional outdoor space, at an affordable price. The updated kitchen is equipped with stainless steel appliances and is a good size for cooking in, with ample storage, backsplash, and a peninsula counter with seating for two. It flows right into the open-concept living room, with laminate flooring and floor-to-ceiling windows that fill the space with natural light, and opens up to your own large private balcony with an unobstructed view. The bedroom is generously sized, easily accommodates a king-sized bed, offers an unobstructed view through the floor-to-ceiling window, and provides ample closet space. The four-piece bathroom has a full tub and updated fixtures. You will notice this apartment has a good amount of storage throughout the apartment, which isn't always the case in a condo. Beyond the unit itself, this one comes with an underground parking space and storage locker, so you're not stuck trying to figure out what to do with all your stuff. The building amenities are amazing and hard to beat. There's a landscaped rooftop terrace with lounge seating and panoramic views of Lake Ontario, plus a party room, billiards room, fitness room, and an indoor pool. The location speaks for itself: you can walk to the marina, the lake, the GO Train, and everything else the Port of Whitby has to offer.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- E13568234
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 500-599
- Cross streets
- Brock/Victoria St W
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $595/mo
- Exposure
- North
- Property tax
- $3,138 / 2026
- Days on market
- 2
- Listing brokerage
- RE/MAX HALLMARK REALTY LTD.
Rooms
Stainless Steel Appl
laminate · w/o to balcony
Window Floor to Ceiling
Listed at $399,900, this home is within the range of comparable homes, on the lower 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 $435K, 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 $500K
- Adjusts to $500K
That comparable adjusts to $500K; the $470K 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. Victoria Eastbound @ Charles is about a 1-minute walk away.
Total price vs nearby homes. Fair value about $470K, 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.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Open-concept layout: modern, sought-after flow.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Weigh carefully
- Lifestyle
- Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 9% below the area average of $803/sqft.
41 days faster than the Whitby average (43 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 $319,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,707
- Property tax
- $262
- Condo / maintenance fees
- $595
- Heating
- $0
- Estimated monthly cost
- $2,564
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 RE/MAX HALLMARK REALTY LTD.. MLS®/PropTx.