45 Palomino Place, Whitby, ON
Pringle Creek, Whitby · MLS® E13843860
About this home
In short
- 4+1 BEDROOMS | 4 BATHROOMS | FINISHED BASEMENT | SEPARATE ENTRANCE | LARGE PIE-SHAPED LOT...Welcome To This Well-Maintained Home In A Family-Friendly Whitby...
- Featuring 4 Spacious Bedrooms Upstairs + 1 Bedroom In The Finished Basement And 4 Bathrooms, Offering Plenty Of Space For A Growing Family Or Extended Family.
- The Finished Basement Features A Separate Entrance, Kitchen, Living Area And Bedroom, Providing Excellent Additional Living Space And Potential For Rental Income.
- Enjoy A Large Pie-Shaped Backyard.
- The Main Floor Features Hardwood Flooring, Ceramic Flooring In The Front Entry And Kitchen, Oak Stairs, And Convenient Main-Floor Laundry With Direct Access To The...
4+1 BEDROOMS | 4 BATHROOMS | FINISHED BASEMENT | SEPARATE ENTRANCE | LARGE PIE-SHAPED LOT...Welcome To This Well-Maintained Home In A Family-Friendly Whitby Neighbourhood! Featuring 4 Spacious Bedrooms Upstairs + 1 Bedroom In The Finished Basement And 4 Bathrooms, Offering Plenty Of Space For A Growing Family Or Extended Family. The Finished Basement Features A Separate Entrance, Kitchen, Living Area And Bedroom, Providing Excellent Additional Living Space And Potential For Rental Income. Enjoy A Large Pie-Shaped Backyard. The Main Floor Features Hardwood Flooring, Ceramic Flooring In The Front Entry And Kitchen, Oak Stairs, And Convenient Main-Floor Laundry With Direct Access To The Garage. Additional Highlights Include Metal Roofing And A Double-Door Entry. Prime Whitby Location Near Schools, Parks, Shopping, Restaurants, Public Transit And Everyday Amenities. Conveniently Located Near Brock St N & Rossland Rd E, With Easy Access To Whitby GO Station And Major Highways. A Great Opportunity For Families, Extended Families Or Buyers Looking For Additional Basement Living Potential!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13843860
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 4 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 20.95 × 134.3 ft
- Cross streets
- Brock St N / Rossland Rd E
- Parking
- 1 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Apartment, Finished, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Metal
- Sewer
- Sewer
- Property tax
- $6,448 / 2025
- Days on market
- 15
- Listing brokerage
- THE AGENCY
Rooms
vinyl floor · window
hardwood floor · 4 pc ensuite · quartz counter
hardwood floor · double closet
hardwood floor · double closet · large window
backsplash · tile floor · pot lights
vinyl floor · window
ceramic floor · quartz counter · backsplash
window · vinyl floor
hardwood floor · double closet · large window
Hardwood Floor
ceramic floor · w/o to deck · pot lights
hardwood floor · pot lights · gas fireplace
Listed at $923,400. Going by how homes in Pringle Creek and the wider GTA have actually closed against their asking prices (about 99%, 19 local closings in 90 days), the likely sale price is near $909K, if it sells. A realistic range is $852K to $1.02M.
Independent value check: $850K. Without looking at the asking price, our model values the home itself about 8% below the ask (homes like it typically land between $797K and $891K).
Why $850K. The typical detached home sold in Pringle Creek over the past year went for about $971K (109 sales). What sets this one apart:
- ▼ Lowers itIt is 1,500 to 2,000 sq ft; the typical home sold here is 2,000 to 2,500.
- ▼ Lowers it slightly1 garage and 4 total parking spaces, against 2 and 4 typically.
- ▼ Lowers it slightlyIts tax bill, which follows the city's own assessment, is $6,448 a year; the typical home sold here pays about $6,800.
Total price vs nearby homes. Likely closing about $909K, from 19 recent closings in this pocket.
The market behind the math:
About 2.4 months of inventory: 15 detached homes for sale in the area against 19 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $528/sqft against an area asking average of $485/sqft.
- 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 Pringle Creek: 22 of the 85 detached leases here lately were basement units, around $1,800 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 19 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $815K. Condition and finishes remain an in-person call.
What the listing highlights4 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
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Based on 19 comparable homes that sold in Pringle Creek over the past two years, from 201 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 $466/sqft; this home lists at $528/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Pringle Creek: $1.01M in September 2026, down 5% from a year ago, on 86 closings in 10 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 | $975K | 9 |
| November 2025 | $1.05M | 5 |
| January 2026 | $1.01M | 6 |
| March 2026 | $1.02M | 7 |
| April 2026 | $1.03M | 12 |
| May 2026 | $1.00M | 8 |
| June 2026 | $1.00M | 16 |
| July 2026 | $878K | 10 |
| August 2026 | $970K | 7 |
| September 2026 | $1.01M | 6 |
Neighbourhood & location
Pringle Creek, 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 4.34% via Ratehub.ca (as of October 16, 2026); conventional rates run a little higher.
Mortgage amount $738,720 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,085
- Property tax
- $537
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,622
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,943
- Estimated closing costs
- $14,943
Plus your down payment of $184,680. 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
- $245,071
- Principal paid down
- $90,258
- Interest paid
- $154,813
- Balance remaining
- $648,462
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 Pringle Creek (22 of 85 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 12 whole-home leases in Pringle Creek signed at a median of $2,991 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,122. 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 AGENCY. MLS®/PropTx.