Gurvinder Nokwal REALTOR®
For Sale Detached 59 days on market

$949,900

Est. payment $4,206/moCalculate yours

81 Garden Street, Whitby, ON L1N 9E7

Downtown Whitby, Whitby, ON L1N 9E7

  • 3 + 2 Beds
  • 3 Baths
  • 2 Garage
  • 1,100 Sq Ft
Map

Listing courtesy of REMAX YOUR COMMUNITY REALTY MLS® E13697286

About this home

Exceptional Ravine Retreat with Incredible Multi-Generational & Investment Potential! Nestled on a premium ravine lot in the heart of Whitby, this unique hillside bungalow offers 2485sqft of living space over three finished levels of versatile living space designed to adapt to your family’s needs. Featuring 5 spacious bedrooms, 3 bathrooms, multiple living areas, with each level having it’s own separate entrance, this home presents an outstanding opportunity for multi-generational families, investors, or those seeking future income potential. The main level offers an inviting open-concept layout with a family-sized eat-in kitchen complete with Stainless Steel Appliances, Lots of Cupboards & Granite Countertops. Spacious living & dining areas, and a walk-out to a spectacular multi-level deck with gas hook-up overlooking the tranquil ravine, the perfect relaxing or entertaining spot. The primary bedroom features its own ensuite, while two additional bedrooms and a full bathroom complete the main level. The bright walk-out lower level includes two additional bedrooms, a full bathroom, an expansive family room with fireplace, and direct access to the multi-level deck. The finished basement offers a large recreation room with walk-out to a private patio, creating additional flexible space for extended family, home office, recreation, or future living quarters. Built into a natural slope, each of the home’s three levels enjoys its own exterior entrance, making this an exceptional candidate for extended families, in-law living, or future income-generating. Enjoy the privacy of a ravine, mature trees, and peaceful outdoor living from every level while remaining just minutes from Downtown Whitby, GO Transit, Highway 401, schools, parks, restaurants, shopping, and every major convenience. A rare opportunity offering lifestyle, flexibility, and long-term investment potential in one of Whitby’s most desirable established neighborhoods.

Property details

Overview

Property Type
Detached
Style
Bungalow
For
For Sale
Status
New
Size
1,100 sqft

Interior

Bedrooms
3 + 2
Bathrooms
3
Kitchens
1
Basement
Finished with Walk-Out, Separate Entrance

Building & Systems

Heating
Forced Air (Gas)
Cooling
Central Air
Exterior
Brick
Foundation
Poured Concrete
Roof
Asphalt Shingle
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
47.57 x 100.07 Feet
Parking
Built-In garage · 4 total

Financial

Property Taxes
$6,927 (2025)

Location

Neighbourhood
Downtown Whitby
Cross Street
Garden St/Dundas
Direction Faces
East

Listing

MLS® Number
E13697286
Days on Market
59
Listed On
2026-08-20
Possession
60/90/TBD
Listed By
REMAX YOUR COMMUNITY REALTY

Rooms

Room Level Dimensions
Bedroom 3 Main 10′ 11″ × 10′ 3″
Bedroom 2 Main 11′ 3″ × 11′ 4″
Family Room Lower 24′ 1″ × 13′ 9″
Recreation Basement 33′ 1″ × 12′ 4″
Kitchen Main 15′ 9″ × 12′ 4″
Primary Bedroom Main 16′ 0″ × 12′ 4″
Bedroom 5 Lower 13′ 6″ × 10′ 4″
Bedroom 4 Lower 15′ 3″ × 12′ 8″
Dining Room Main 11′ 0″ × 33′ 6″
Living Room Main 14′ 11″ × 11′ 11″

Features

Interior

  • Auto Garage Door Remote
  • In-Law Capability
  • Primary Bedroom - Main Floor

Property

  • Fenced Yard
  • Place Of Worship
  • Public Transit
  • Ravine
  • School
  • School Bus Route

Pool

  • None
Included
EV Charger. Stainless Steel: Fridge, Stove, Dishwasher. Washer & Dryer. All Electrical LightFixtures. Garage Door Opener. Bonus for Investors: The property is currently occupied by reliable tenants who pay on time and are willing to remain, providing immediate rental income for the new owner. Some photos have been virtually edited to remove personal belongings. No structural or permanent features of the home have been modified.
Rental items
Hot Water Tank

Mortgage calculator

Minimum for this price: $69,990 (7.37%)

Amortization, years

Estimated mortgage payment

$4,206 per month

Principal and interest
$4,206
Property tax
$577
Estimated monthly cost
$4,783

Your mortgage

Mortgage amount
$759,920
Mortgage insurance
Not needed
Interest over 25 years
$501,866

Cash to close

Down payment
$189,980
Land transfer tax
$15,473
Total, before legal fees
$205,453
Talk to me about financing

Estimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.

Location

81 Garden Street, Whitby, ON L1N 9E7 Downtown Whitby, Whitby, ON L1N 9E7
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$949,900 81 Garden Street, Whitby, ON L1N 9E7
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