8970 Baldwin Street, Whitby, ON
Rural Whitby, Whitby · MLS® E13570554
About this home
Century-home charm meets thoughtful, top-to-bottom renovation in this inviting property set on a sprawling, tree-filled lot just minutes from Brooklin and Highway 407. Inside, warm hardwood floors, generous principal rooms and timeless architectural details create a welcoming atmosphere, while the renovated kitchen and bathrooms offer the comfort and function of modern living. Major improvements include the furnace, hot-water tank, roof, windows, electrical, plumbing, doors, vinyl siding, soffits, eaves and fascia, plus spray-foam insulation in the basement. A convenient walkout leads to a private patio and included gazebo-perfect for outdoor dining and quiet summer evenings. The expansive, park-like backyard offers plenty of room to play, garden and gather around the firepit with family and friends, while parking for more than 10 vehicles adds exceptional versatility. A truly special home where century character, extensive upgrades and an extraordinary natural setting come together beautifully.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13570554
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 205.11 × 50.83 ft
- Cross streets
- Baldwin St. N / Myrtle
- Parking
- 10 parking
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Other
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $5,710 / 2025
- Days on market
- 1
- Listing brokerage
- SUTTON GROUP-HERITAGE REALTY INC.
Rooms
Hardwood Floor
hardwood floor · w/o to porch
Hardwood Floor
Hardwood Floor
Hardwood Floor
Hardwood Floor
porcelain floor · w/o to patio
Hardwood Floor
Listed at $779,000, this home is about 12% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in Rural Whitby, so I widened the search to the surrounding area.
Based on 6 similar homes nearby, adjusted for size, beds, and baths.Median of 6 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $780K, a bit lower.
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 $800K
- Bathrooms −$15K
- Adjusts to $785K
That comparable adjusts to $785K; the $889K estimate above is the median of all 6 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. Myrtle Bus Stop is about a 4-minute walk away.
Total price vs nearby homes. Fair value about $889K, median of 6 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.
- 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 6 active listings nearby.
See all comparable homesThis home lists 9% below the area average of $487/sqft.
7 days faster than the Whitby average (8 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Rural Whitby, Whitby, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Somewhat 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.
Some errands on foot, but most trips need a car.
🚉 Nearest transit: Myrtle Bus Stop, about 317 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 $623,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,326
- Property tax
- $476
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,801
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $12,055
- Estimated closing costs
- $12,055
Plus your down payment of $155,800. 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
- $199,538
- Principal paid down
- $79,365
- Interest paid
- $120,173
- Balance remaining
- $543,835
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 SUTTON GROUP-HERITAGE REALTY INC.. MLS®/PropTx.