7 Carter Crescent, Whitby, ON
Lynde Creek, Whitby · MLS® E13575636
About this home
Fabulous 2 storey! This amazing family home is ready for you - just unpack your bags and enjoy; perfect for entertainers or enjoying a quiet moment in the tranquil back yard. Great layout, functional and modern with some classic touches. Bright, open concept kitchen (with pantry) and dining area - featuring a walk out to a large 12' x 24' deck with hardtop gazebo. Cozy family room has a gas fireplace and large windows overlooking a gorgeous garden in the back yard. Large living room has a bright bay window and overlooks the front yard. Spacious bedrooms on second floor, primary bedroom features a great 3 piece ensuite bathroom and walk in closet. Basement features a large rec room, huge furnace room with room for storage and a separate utility room and cold cellar. In addition, the 5th bedroom is perfect for overnight guests, with a 3 piece bathroom adjacent. Tons of features/recent updates including hardwood floors, main level laundry, extensive landscaping, deck and gazebo, siding, upgraded insulation, roof (2025), gas fireplace, washer and dryer, bathrooms, garage door , paved walkways. Note: copper wiring, unique for neighbourhood. Steps to major amenities, schools, shops, downtown, restaurants, Whitby GO Train station, 401/412- link to 407, Iroquois Park Sports Centre & Abilities Centre
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13575636
- Bedrooms
- 5 (4 + 1)
- Bathrooms
- 4 (1 half)
- Size
- 2000-2500
- Lot
- 47 × 105.23 ft
- Cross streets
- Michael Blvd. & Burns St. W
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private Double
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $6,324 / 2026
- Listing brokerage
- ROYAL HERITAGE REALTY LTD.
Rooms
laminate · window · his and hers closets
porcelain floor · centre island · pantry
hardwood floor · bay window · overlooks frontyard
broadloom · 3 pc ensuite · walk-in closet(s)
hardwood floor · picture window · gas fireplace
laminate · window · l-shaped room
combined w/laundry · walk-out · 2 pc bath
porcelain floor · combined w/kitchen · w/o to deck
broadloom · window · closet
broadloom · window · closet
hardwood floor · window · closet
Listed at $924,900, this home is about 21% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Based on 9 similar homes nearby, adjusted for size, beds, and baths.Median of 9 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $871K, lower than the comparables and worth a second look.
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 $1.13M
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $1.17M
That comparable adjusts to $1.17M; the $1.17M estimate above is the median of all 9 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. Annes Northbound @ Harriet is about a 5-minute walk away.
Total price vs nearby homes. Fair value about $1.17M, median of 9 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.
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits.
- Primary suite: a key comfort and resale feature.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- 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 5 closest of 6 active listings nearby.
See all comparable homesThis home lists 23% below the area average of $534/sqft.
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Lynde Creek, 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: Annes Northbound @ Harriet, about 382 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 $739,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,948
- Property tax
- $527
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,475
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,973
- Estimated closing costs
- $14,973
Plus your down payment of $184,980. 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
- $236,909
- Principal paid down
- $94,229
- Interest paid
- $142,680
- Balance remaining
- $645,691
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 ROYAL HERITAGE REALTY LTD.. MLS®/PropTx.