89 Elkington Crescent, Whitby, ON
Rural Whitby, Whitby · MLS® E14010286
About this home
In short
- Impeccably finished and beautifully maintained, this stunning all-brick, 4-bedroom end-unit freehold townhouse shows like a model home.
- The sun-filled living room features rich hardwood floors, custom wainscoting and 9-foot ceilings.
- The gourmet kitchen offers quartz counters, centre island and quality cabinetry, overlooking the dining area and inviting family room with coffered ceiling, pot...
- Upstairs, the spacious primary retreat features a balcony walkout, walk-in closet and luxurious ensuite with stand-alone soaker tub and separate glass shower.
- Two additional bedrooms and a 4-piece bath complete the upper level.
Impeccably finished and beautifully maintained, this stunning all-brick, 4-bedroom end-unit freehold townhouse shows like a model home! Stylish finishes, thoughtful design and exceptional attention to detail are evident throughout. The sun-filled living room features rich hardwood floors, custom wainscoting and 9-foot ceilings. The gourmet kitchen offers quartz counters, centre island and quality cabinetry, overlooking the dining area and inviting family room with coffered ceiling, pot lights, fireplace and walkout to a private balcony. Upstairs, the spacious primary retreat features a balcony walkout, walk-in closet and luxurious ensuite with stand-alone soaker tub and separate glass shower. Two additional bedrooms and a 4-piece bath complete the upper level. The lower level offers a versatile fourth bedroom with walk-in closet, private 4-piece ensuite and walkout to the beautifully landscaped backyard-perfect for guests or extended family. Convenient laundry and direct garage access complete this level. The fully fenced backyard is beautifully landscaped with stone walkways and multiple seating areas, creating a wonderful space for relaxing and entertaining. Ideally located minutes from Thermea Spa, shopping, restaurants, parks and excellent schools, with easy access to Hwy 412 connecting to the 401 and 407. A truly exceptional home offering style, space and convenience. Move in and enjoy!
Key facts
- Property type
- Townhouse, 3-Storey
- MLS®
- E14010286
- Bedrooms
- 4
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 25.59 × 88.58 ft
- Cross streets
- COCHRANE ST / TAUNTON ROAD
- Parking
- 1 garage · 2 parking (attached)
- Driveway
- Private
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $7,753 / 2026
- Days on market
- 2
- Listing brokerage
- Right At Home Realty
Rooms
ceramic floor · overlooks family · window
access to garage · closet
hardwood floor · wainscoting · large window
4 pc ensuite · w/o to balcony · walk-in closet(s)
large window · closet · broadloom
large window · closet · broadloom
quartz counter · stainless steel appl · open concept
gas fireplace · hardwood floor · w/o to deck
4 pc ensuite · walk-in closet(s) · w/o to yard
Listed at $799,900. Going by how homes in Rural Whitby and the wider GTA have actually closed against their asking prices (about 99%, 8 local closings in 90 days), the likely sale price is near $795K, if it sells. A realistic range is $745K to $896K.
Independent value check: $931K. Without looking at the asking price, our model values the home itself about 16% above the ask (homes like it typically land between $872K and $975K).
Why $931K. The typical townhouse sold in Rural Whitby over the past year went for about $847K (48 sales). What sets this one apart:
- ▲ Raises it stronglyIts tax bill, which follows the city's own assessment, is $7,753 a year; the typical home sold here pays about $6,300.
- ▲ Raises itIt is 2,500 to 3,000 sq ft; the typical home sold here is 1,500 to 2,000.
- ▲ Raises it slightly4 bedrooms and 4 baths, against 3+1 and 3 typically.
Total price vs nearby homes. Likely closing about $795K, from 8 recent closings in this pocket.
The market behind the math:
About 1.9 months of inventory: 5 townhouse homes for sale in the area against 8 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $291/sqft against an area asking average of $416/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 8 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $852K. 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Read this with carewhy it’s an estimate, not an appraisal
There were not many closely comparable homes right in Rural Whitby, so I widened the search to the surrounding area.
Based on 5 homes sold on this street over the past two years, from 106 closings in Rural Whitby.
Nothing closely matching this home is listed nearby right now, so these are the nearest townhouse listings on the market. Homes like this one have recently closed around $931K, which is where my estimate comes from.
Per square foot, these ask about $365/sqft; this home lists at $291/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 townhouses in Whitby: $780K in September 2026, down 3% from a year ago, on 255 closings in 11 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Whitby as a whole: the neighbourhood alone has too few closings for a line of its own.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $785K | 31 |
| November 2025 | $780K | 24 |
| December 2025 | $760K | 13 |
| February 2026 | $780K | 21 |
| March 2026 | $750K | 32 |
| April 2026 | $793K | 27 |
| May 2026 | $775K | 25 |
| June 2026 | $809K | 24 |
| July 2026 | $749K | 18 |
| August 2026 | $735K | 21 |
| September 2026 | $780K | 19 |
Neighbourhood & location
Rural 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 4.34% via Ratehub.ca (as of October 16, 2026); conventional rates run a little higher.
Mortgage amount $639,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,538
- Property tax
- $646
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,184
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $12,473
- Estimated closing costs
- $12,473
Plus your down payment of $159,980. 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
- $212,294
- Principal paid down
- $78,186
- Interest paid
- $134,107
- Balance remaining
- $561,734
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 8 whole-home leases in Rural Whitby signed at a median of $3,080 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $4,096. 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 Right At Home Realty. MLS®/PropTx.