102 William Stephenson Drive, Whitby, ON
Blue Grass Meadows, Whitby · MLS® E13662750
About this home
Executive home in Blue grass area of Whitby. New roof and AC 2026, separate entrance to three bedrooms basement unit, large rear deck., fenced in backyard, separate rear entrance to basement unit.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13662750
- Bedrooms
- 4
- Bathrooms
- 4
- Size
- 2000-2500 sq ft
- Lot
- 63.9 × 86.38 ft
- Cross streets
- Thickson and Rossland
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private Double
- Basement
- Apartment, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick Front
- Foundation
- Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,995 / 2025
- Days on market
- 65
- Listing brokerage
- THE REALTY MARKET INC
Listed at $1,295,000. Going by how homes in Blue Grass Meadows and the wider GTA have actually closed against their asking prices (about 98%, 16 local closings in 90 days), the likely sale price is near $1.27M, if it sells. A realistic range is $1.19M to $1.43M.
Independent value check: no figure for this home. Going only by the sales record, our model lands more than 25% below the ask. At that distance an automated figure has rarely been close to the eventual sale price, so we are not printing one. The usual reason is something the record cannot show: a rebuild, a second unit, or a lot or setting unlike the homes around it.
Longer on the market than typical. 65 days on the market against about 20 for homes like it here, and asking 32% above where comparable closings put it.
Total price vs nearby homes. Likely closing about $1.27M, from 16 recent closings in this pocket.
The market behind the math:
About 3.2 months of inventory: 17 detached homes for sale in the area against 16 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $576/sqft against an area asking average of $475/sqft.
- Separate-entrance basement apartment features. A finished basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Blue Grass Meadows: 22 of the 95 detached leases here lately were basement units, around $1,775 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the Town of Whitby.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 16 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $853K. Condition and finishes remain an in-person call.
What the listing highlights2 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Recent major systems: lower near-term capital costs, ask for the ages and any warranties. Value driver
Based on 16 comparable homes that sold in Blue Grass Meadows over the past two years, from 218 closings there.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $982K, which is where my estimate comes from.
Per square foot, these ask about $450/sqft; this home lists at $576/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Blue Grass Meadows: $928K in September 2026, down 5% from a year ago, on 97 closings in 11 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $885K | 12 |
| November 2025 | $941K | 13 |
| December 2025 | $949K | 14 |
| February 2026 | $865K | 7 |
| March 2026 | $978K | 10 |
| April 2026 | $900K | 7 |
| May 2026 | $930K | 11 |
| June 2026 | $776K | 6 |
| July 2026 | $938K | 7 |
| August 2026 | $819K | 5 |
| September 2026 | $928K | 5 |
Neighbourhood & location
Blue Grass Meadows, Whitby, ON
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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 4.34% via Ratehub.ca (as of October 16, 2026); conventional rates run a little higher.
Mortgage amount $1,036,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,728
- Property tax
- $583
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,311
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $22,375
- Estimated closing costs
- $22,375
Plus your down payment of $259,000. 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
- $343,693
- Principal paid down
- $126,580
- Interest paid
- $217,113
- Balance remaining
- $909,420
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
The suite is real income here: basements rent in Blue Grass Meadows (22 of 95 recent detached leases were basement units, around $1,775 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,775 a month on top of the upper floors. Permitted use is worth confirming with the city.
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersThe last 15 whole-home leases in Blue Grass Meadows signed at a median of $2,954 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,078. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of THE REALTY MARKET INC. MLS®/PropTx.