$984,900 - 414 Centre Street, Whitby
Detached for Sale in Whitby
- MLS Number
- E13205976
- Property Type
- Detached
- Status
- active
- Days on Site
- 19
- Bedrooms
- 3
- Bathrooms
- 3
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- Whitby
- Listing Brokerage
- SUTTON GROUP-HERITAGE REALTY INC.
"This 3 bedroom, 3 bath Raised Bungalow on a large lot has so much for you to enjoy! With its' west facing yard, enjoy sitting in the sunroom with your coffee in the morning and dining on the patio at night. Many customized updates and situated in one of the downtown's most desirable neighbourhoods, with a park across the street. Just a short walk to downtown shops, restaurants, the library and healthcare, this home truly delivers on "Location, Location, Location. "With natural light throughout, the open flow kitchen-dining-living area is ideal for entertaining and interacting with family. Modern comforts include a spacious, customized eat-in kitchen, large island, granite countertops, wall oven and prep sink. The main floor laundry is super handy. Living areas have hardwood, cork and tile throughout, no carpets! The large main bedroom suite includes an amazing walk-in closet and oversized bathroom with a luxurious Spa-inspired shower. The 2nd bedroom can be an office or guest suite. The lower level could be an in-law or teen suite and includes a nicely finished family room, a generously-sized additional bedroom, 3 piece bath, a kitchenette and a handyman's workshop. This meticulously maintained 2+1 bedroom could easily be converted back to a 3+1 bedroom. And with several customized storage areas, it's an organizers dream! The 2 car garage with kitchen entry is great for bringing in groceries. Plus the 4-car driveway means no fighting for space. You can have it all in this home, and it's move-in ready.
Estimate your monthly payments for this property
Estimated Payment
$5,053.05/mo
Includes CMHC insurance ($27,479)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Whitby
Whitby is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Whitby
- •Convenient location in Whitby
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Whitby offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
414 Centre Street, Whitby
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $657/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Market Position
At 19 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
Detached Home Advantages
Detached homes in Whitby are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
Bathroom Count Matters
With 3 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
Investment Perspective
Looking at this as an investment: Whitby properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $4,104 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.