400 Harris Street, Whitby, ON
Downtown Whitby, Whitby · MLS® E13754138
About this home
In short
- Location, Location, Location.
- Legal basement apartment presents an excellent opportunity for the savvy buyer to generate rental income with flexible living options.
- 3 Bedrooms, 4 pc bathroom and a delightful 3 Season Sunroom provides a bright and relaxing space and completes the main floor.
- The lower level apartment features a separate side entrance, private patio, 1 bedroom plus a den/office, open concept kitchen & living area, in unit laundry, and a 3...
- Steps to highly rated EA Fairman Public School & Henry Street High School.
Location, Location, Location! Fully detached solid brick bungalow in a charming neighbourhood right in the heart of downtown Whitby. Legal basement apartment presents an excellent opportunity for the savvy buyer to generate rental income with flexible living options. Incredible versatility for multi-generational families or investors. The main floor delivers a great layout, with some select updates and room for your personal touches. Step inside to the spacious living room with picture window and open to the dining room, functional eat-in kitchen with some modern touches and includes a convenient pantry & stackable laundry unit. 3 Bedrooms, 4 pc bathroom and a delightful 3 Season Sunroom provides a bright and relaxing space and completes the main floor. The lower level apartment features a separate side entrance, private patio, 1 bedroom plus a den/office, open concept kitchen & living area, in unit laundry, and a 3 pc bathroom with stunning glass shower. Beautifully completed and includes all appliances, bringing an outstanding opportunity for those seeking income potential. Exceptional curb appeal, custom stone patios and walkway showcase the premium outdoor finishes. One of the home's unexpected treasures is the expansive rear yard, an extra deep lot of 158 feet, fully fenced and offering a greenspace for peace and play and a gardener's delight. Steps to highly rated EA Fairman Public School & Henry Street High School. Embrace one of Durham Region's most sought-after walkable Lifestyles. Commuters will love the easy access to 401, 407, 412 & Go Transit.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- E13754138
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 2
- Size
- 700-1100 sq ft
- Lot
- 52.33 × 158 ft
- Cross streets
- Cochrane St & Beech St.W
- Parking
- 1 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Apartment, Separate Entrance, Full, Walk-Up
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,498 / 2026
- Days on market
- 12
- Listing brokerage
- Royal Lepage Proalliance Realty
Rooms
w/o to sundeck · w/o to yard
Combined w/Living
french doors · w/o to sunroom
Combined w/Living
Combined w/Kitchen
Eat-in Kitchen
picture window · combined w/dining
3 Pc Bath
w/o to deck · w/o to yard
Closet
Listed at $839,900 with no offer date. Homes here have been closing close to ask, so my read is $854K, typically $805K to $840K. Comparable closings on their own put this home around $799K, which supports the ask, so this is a firm read.
Total price vs nearby homes. Likely closing about $854K, from 23 recent closings in this pocket.
The market behind the math:
About 0.7 months of inventory: 5 detached homes for sale in the area against 23 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $933/sqft against an area asking average of $811/sqft. Size and $/sqft both feed the estimate above.
- Separate-entrance basement apartment features. A finished 1 bed 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 Downtown Whitby: 26 of the 86 detached leases here lately were basement units, around $1,800 a month. That makes the suite real income, and comparable-sales math under-prices it, so read the estimate as a floor. 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 23 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $771K. Condition and finishes remain an in-person call.
What the listing highlights3 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
- Open-concept layout: modern, sought-after flow. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
Read this with carewhy it’s an estimate, not an appraisal
The listing states size as a wide range, so the size adjustment is approximate and this estimate is a rough read. I can confirm exact square footage to tighten it.
Based on 23 comparable homes that sold in Downtown Whitby over the past two years, from 164 closings there.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $831/sqft; this home lists at $933/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesNeighbourhood & location
Downtown Whitby, Whitby, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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 4.24% via Ratehub.ca (as of September 18, 2026); conventional rates run a little higher.
Mortgage amount $671,920 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,678
- Property tax
- $542
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,219
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,273
- Estimated closing costs
- $13,273
Plus your down payment of $167,980. 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
- $220,675
- Principal paid down
- $83,078
- Interest paid
- $137,597
- Balance remaining
- $588,842
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 Downtown Whitby (26 of 86 recent detached leases were basement units, around $1,800 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,800 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 8 whole-home leases in Downtown Whitby signed at a median of $2,931 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,628. 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 Royal Lepage Proalliance Realty. MLS®/PropTx.