123 Ardwick Street, Whitby, ON
Blue Grass Meadows, Whitby · MLS® E13855850
About this home
In short
- Welcome to one of the most exciting opportunities in Bluegrass Meadows.
- Offering over 2,000 square feet of living space with a double garage and an impressive mature lot, this is the kind of property that is increasingly hard to find at...
- The ground level features its own separate entrance, bathroom, bedroom, and galley kitchen, creating an excellent foundation for an independent living area.
- Close to shopping, major highways, transit and GO train.
- Enjoy it as is or adapt the versatile layout to your needs.
Welcome to one of the most exciting opportunities in Bluegrass Meadows. Offering over 2,000 square feet of living space with a double garage and an impressive mature lot, this is the kind of property that is increasingly hard to find at this price point. Offered for sale for the first time, the home was built and lovingly maintained by its original owner, with a focus on solid construction, extra wall thickness for better insulation and energy efficiency, as well as long term functionality. The unique layout offers tremendous flexibility for growing families, multi-generational living or buyers looking to create two living spaces. The ground level features its own separate entrance, bathroom, bedroom, and galley kitchen, creating an excellent foundation for an independent living area. Upstairs offers generous living space, large west facing windows, three bedrooms and the ability to function as its own complete level. The fully functional laundry set-up can also be relocated, further enhancing the possibilities. Whether you enjoy it as a single family home, an inlaw suite or two self contained units, this layout gives you options not found in every home. Buyers to independently verify zoning, permits and feasibility for any secondary unit or conversion. Outside the property impresses with a large yard, mature tree line, and a quiet residential street - offering privacy and an outdoor retreat. Additional features: extra deep, fully insulated garage, a high-efficiency gas fireplace, wood burning stove, extra wall thickness throughout for maximum insulation and energy efficiency, 2026 owned hotwater heater, 2016 roof. Appliances for both kitchens included. Close to shopping, major highways, transit and GO train. Enjoy it as is or adapt the versatile layout to your needs.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13855850
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 57.88 × 106.26 ft
- Cross streets
- Hwy 2/Garrard
- Parking
- 2 garage · 4 parking (built-in)
- Driveway
- Private Double
- Basement
- None
- Heating
- Baseboard
- A/C
- Wall Unit(s)
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,048 / 2025
- Days on market
- 14
- Listing brokerage
- REVEL Realty Inc.
Rooms
fireplace · w/o to balcony
W/O To Patio
Gas Fireplace
Listed at $767,000. 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 $751K, if it sells. A realistic range is $704K to $847K.
Independent value check: $827K. Without looking at the asking price, our model values the home itself about 8% above the ask (homes like it typically land between $775K and $867K).
Why $827K. The typical detached home sold in Blue Grass Meadows over the past year went for about $905K (110 sales). What sets this one apart:
- ▲ Raises itIt is 2,000 to 2,500 sq ft; the typical home sold here is 1,500 to 2,000.
- ▼ Lowers itThe listing presents it as a home to renovate or rebuild.
Total price vs nearby homes. Likely closing about $751K, 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 $341/sqft against an area asking average of $489/sqft.
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 $744K. 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
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
- Sold as-is / needs work: budget for renovation, the price should reflect the condition. Weigh carefully
Based on 16 comparable homes that sold in Blue Grass Meadows over the past two years, from 218 closings there.
For sale
For sale
For sale
For sale
For sale
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For sale
For saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $423/sqft; this home lists at $341/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 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
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 17, 2026); conventional rates run a little higher.
Mortgage amount $613,600 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,393
- Property tax
- $504
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,897
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,815
- Estimated closing costs
- $11,815
Plus your down payment of $153,400. 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
- $203,562
- Principal paid down
- $74,971
- Interest paid
- $128,591
- Balance remaining
- $538,629
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 numbersThe last 13 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 $2,903. 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 REVEL Realty Inc.. MLS®/PropTx.