$699,900 - 928 Centre Street, Whitby
Detached for Sale in Whitby
109 days on market- MLS Number
- E12822602
- Property Type
- Detached
- Status
- active
- Days on Site
- 109
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- Whitby
- Listing Brokerage
- Royal LePage Frank Real Estate
Welcome Home!! Move-In Condition and Very Well Maintained. First Time Offered in 32 Years!! Neutral Colours, Updated Kitchen Windows, Doors, Roof, too many to list. See Schedule "C" herein attached. Separate Side Door with access to the basement. Complete with a 3-piece Bath, Mechanical Room and Third Bedroom. Extremely Clean! Private Deck and Hot Tub. Don't Miss This Opportunity!!
Estimate your monthly payments for this property
Estimated Payment
$3,590.85/mo
Includes CMHC insurance ($19,527)
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.
928 Centre Street, Whitby
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Rental income estimator & ROI calculator
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
Fair Market Value
At $1000/sqft, this property is priced in line with current Whitby market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Negotiation Opportunity
At 109 days on site, this property has exceeded the typical selling timeline for Whitby. This creates leverage for buyers. The seller may be motivated by carrying costs, life circumstances, or previous deals falling through. I'd recommend a strategic offer below asking with terms that favour you.
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.
Efficient Living
At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.
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 $2,916 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.