1013 Centre Street, Whitby, ON
Downtown Whitby, Whitby · MLS® E13797374
About this home
In short
- Welcome To This Beautifully Updated Bungalow In One Of Whitby's Most Sought After Family Friendly Neighbourhoods.
- The Stylish Interior Features Beautiful Finishes, Custom Built-Ins, A Newly Renovated Kitchen And Laminate Flooring Throughout.
- A Separate Side Entrance Leads To The Finished Basement, Complete With A Spacious Recreation Area, Kitchen And Bonus Room, Offering Excellent Additional Living Space.
- Both Bathrooms Have Been Tastefully Renovated.
- Ideally Located Within A 10-Minute Walk Of The Whitby GO Station And Vibrant Downtown Whitby's Fabulous Restaurants, Shops And Amenities.
Welcome To This Beautifully Updated Bungalow In One Of Whitby's Most Sought After Family Friendly Neighbourhoods. The Stylish Interior Features Beautiful Finishes, Custom Built-Ins, A Newly Renovated Kitchen And Laminate Flooring Throughout. A Separate Side Entrance Leads To The Finished Basement, Complete With A Spacious Recreation Area, Kitchen And Bonus Room, Offering Excellent Additional Living Space. Both Bathrooms Have Been Tastefully Renovated. Outside, Enjoy Beautifully Landscaped Front Gardens, Patterned Stonework And An Oversized Garage With Hydro And Convenient Backyard Access. The Large, Private Fenced Yard Features A Two-Tiered Deck With Plenty Of Space For Relaxing, Entertaining And Outdoor Living. Ideally Located Within A 10-Minute Walk Of The Whitby GO Station And Vibrant Downtown Whitby's Fabulous Restaurants, Shops And Amenities. A Truly Move-In-Ready Home In An Unbeatable Location!
Key facts
- Property type
- Detached, Bungalow
- MLS®
- E13797374
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 2
- Size
- 700-1100 sq ft
- Lot
- 50 × 145.2 ft
- Cross streets
- Burns St
- Parking
- 2 garage · 6 parking (attached)
- Basement
- Separate Entrance, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Board & Batten
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $5,696 / 2026
- Days on market
- 3
- Listing brokerage
- RE/MAX PROFESSIONALS INC.
Rooms
closet organizers · window · laminate
combined w/dining · open concept · laminate
window · w/o to deck · laminate
centre island · stainless steel appl · laminate
window · laminate · combined w/kitchen
laminate · window
combined w/living · open concept · laminate
window · closet · laminate
Listed at $849,000 with no offer date. Homes here have been closing close to ask, so my read is $863K, typically $813K to $849K. Comparable closings on their own put this home around $848K, which supports the ask, so this is a firm read.
Total price vs nearby homes. Likely closing about $863K, 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 $943/sqft against an area asking average of $809/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 $743K. 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. 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 $829/sqft; this home lists at $943/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 $679,200 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,718
- Property tax
- $475
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,192
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,455
- Estimated closing costs
- $13,455
Plus your down payment of $169,800. 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
- $223,066
- Principal paid down
- $83,978
- Interest paid
- $139,088
- Balance remaining
- $595,222
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 9 whole-home leases in Downtown Whitby signed at a median of $2,903 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,581. 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 RE/MAX PROFESSIONALS INC.. MLS®/PropTx.