$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
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
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
Estimated mortgage payment
$4,206 per month
- Principal and interest
- $4,206
- Property tax
- $577
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $205,453
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates 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
This photo could not be loaded.