$529,900 - 540 Mary Street Unit 2, Whitby
Condo for Sale in Whitby
New — Listed yesterday- MLS Number
- E13439882
- Property Type
- Condo
- Status
- active
- Days on Site
- 1
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 1,000 sqft
- Neighbourhood
- Whitby
- Locker
- Ensuite+Owned
- Exposure
- North
- Balcony
- None
- Listing Brokerage
- Royal LePage Our Neighbourhood Realty
Beautifully updated, ground-level 3-bedroom condo apartment in the heart of Downtown Whitby! This spacious and functional layout offers the rare convenience of two full bathrooms, including a newly added 3-piece bath and a beautifully refreshed second bathroom (both 2025). Seamlessly blending convenience and space, this home is ideal for families, first-time buyers, or downsizers looking to establish roots in a highly desirable, walkable community.Step into bright, inviting living spaces and a modern kitchen featuring top-tier 2025 appliances, including a fridge, dishwasher, over-the-range microwave, and full-size washer & dryer. The true crown jewel of this property is your own privately owned, fenced front lawn-a rare condo luxury that provides a safe, private outdoor oasis for kids to play, or for hosting weekend family gatherings and gardening.With three generous bedrooms, an owned separate storage room, a high-efficiency heat pump for climate control (2021), and updated hydro (2021), this turn-key home showcases true pride of ownership throughout. Perfectly situated in a family-oriented neighbourhood, perfectly situated in a prime location for family living & for commuters, you are just steps away from excellent local schools like Julie Payette Public School, C.E. Broughton Public School, and St. Theresa Catholic School. Enjoy effortless access to downtown parks, boutique shopping, diverse dining, and transit. A fantastic opportunity to own a move-in ready home!
Estimate your monthly payments for this property
Estimated Payment
$2,718.66/mo
Includes CMHC insurance ($14,784)
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.
540 Mary Street Unit 2, 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 $530/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.
Just Listed - Act Strategically
This property hit the market within the last week. In Whitby's current market, desirable homes often receive multiple offers within 5-7 days. If you're seriously interested, I recommend booking a showing immediately. However, never let urgency override due diligence - we'll still do proper inspections.
Condo Considerations
For condos, I always review the status certificate thoroughly. Key things I look for: reserve fund health (should be well-funded), any upcoming special assessments, rules that might affect your lifestyle (pets, rentals, renovations), and the corporation's financial statements. We'll want to verify the monthly fees and what they include.
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.
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 $2,208 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.