$949,900
81 Garden Street, Whitby, ON L1N 9E7
Downtown Whitby · Whitby · L1N 9E7
Listing brokerage: REMAX YOUR COMMUNITY REALTY
- Beds
- 3+2
- Baths
- 3
- Sq ft
- 1100–1500
- Parking
- 4
Monthly costs
Property taxes
$577/mo
$6,927 a year (2025)
The home
- Lot size
- 47.6 × 100.1 ft
- Style
- Bungalow
- Basement
- Finished with Walk-Out, Separate Entrance
- Parking
- 4 spots · Built-In
- Faces
- East
- Heating · cooling
- Forced Air, Central Air
- Possession
- 60/90/TBD
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.
All details22 more from the listing · Interior, Heating, Parking, Exterior, Utilities, Taxes, Listing
Interior
- Bedrooms
- 3+2
- Bathrooms
- 3
- Kitchens
- 1
- Rooms
- 10
- Den / family room
- Yes
- Size
- 1100-1500 sq ft
- Fireplace
- Electric, Natural Gas
Features
- Auto Garage Door Remote
- In-Law Capability
- Primary Bedroom - Main Floor
Heating & Cooling
- Heat source
- Gas
Parking
- Covered spaces
- 2
Features
- Private Double
Exterior & Lot
- Exterior
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Poured Concrete
Utilities
- Sewer
- Sewer
Taxes & Fees
- HST
- Included In
Listing
- MLS® number
- E13697286
- Type
- Detached
- Transaction
- For Sale
- Neighbourhood
- Downtown Whitby
- Cross streets
- Garden St/Dundas
Rooms · 13Living Room, Dining Room, Kitchen, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Family Room, Recreation, Washroom ×3
Living Room
Main
4.55 × 3.62 m · 14′11″ × 11′11″
Hardwood Floor, Overlooks Ravine, Picture Window
Dining Room
Main
3.35 × 10.20 m · 11′0″ × 33′6″
Hardwood Floor, Overlooks Ravine, W/O To Deck
Kitchen
Main
4.81 × 3.76 m · 15′9″ × 12′4″
Hardwood Floor, Stainless Steel Appl, Backsplash
Primary Bedroom
Main
4.87 × 3.75 m · 16′0″ × 12′4″
Hardwood Floor, 3 Pc Ensuite, Overlooks Ravine
Bedroom 2
Main
3.44 × 3.46 m · 11′3″ × 11′4″
Laminate, Closet, Large Window
Bedroom 3
Main
3.34 × 3.12 m · 10′11″ × 10′3″
Hardwood Floor, Double Closet, Large Window
Bedroom 4
Lower
4.65 × 3.85 m · 15′3″ × 12′8″
Laminate, Closet, Window
Bedroom 5
Lower
4.11 × 3.15 m · 13′6″ × 10′4″
Laminate, Closet, Overlooks Ravine
Family Room
Lower
7.35 × 4.19 m · 24′1″ × 13′9″
Laminate, Gas Fireplace, W/O To Deck
Recreation
Basement
10.08 × 3.75 m · 33′1″ × 12′4″
Broadloom, Gas Fireplace, W/O To Patio
4-piece washroom
Main
4-piece washroom
Lower
3-piece washroom
Main
History
Past listings and sales for this home and building.
Location
81 Garden Street, Whitby, ON L1N 9E7 · Near Garden St/Dundas
Monthly cost
Estimated monthly cost
$4,783/mo
- Mortgage
- $4,206
- Property tax
- $577
Amortization
Estimate only, for illustration. Includes mortgage default insurance when less than 20% is put down. Speak with a lender for an exact figure.
Cash to close
Cash to close
$207,545
$189,980 down + $17,565 to $18,815 in closing costs
- Ontario land transfer tax
- $15,473
- Legal fees and disbursements
- $1,500 to $2,500
- Title insurance
- $250 to $500
- Property tax adjustment
- $342
Estimate only, not legal or tax advice. Rates as of 2026-10-14 from Ontario, City of Toronto and CMHC published rates. Legal and title figures are typical ranges. Adjustments assume the seller prepaid the closing month. First-time rebates have eligibility rules; confirm with your lawyer.
The listing information is deemed reliable but is not guaranteed accurate by PROPTX. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
$949,900
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