Listed for:Listed Aug 20, 2026
$949,900

81 Garden Street

Whitby (Downtown Whitby), ON L1N 9E7

Detached House For Sale
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 81 Garden Street, Whitby, Downtown Whitby

No listing history available

Real estate boards require you to or to see the full details of this property.

*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 81 Garden Street, Whitby, Downtown Whitby

Summarized Description

  • Unique multi-generational living opportunity.
  • Versatile layout with separate entrances.
  • Five spacious bedrooms and three bathrooms.
  • Open-concept design with modern kitchen.
  • Multi-level deck with ravine views.
  • Finished basement with recreation space.
  • Close to amenities and major transport.
  • Excellent investment potential in desirable area.

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.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$6,927
Land Transfer Tax Fee
$15,473

Rental Items

Rental Equipment
Hot Water Tank

Basement Type
Finished with Walk-Out, Separate Entrance

Interior Features

Laundry Level
Lower Level
Interior Extras
Auto Garage Door Remote, In-Law Capability, Primary Bedroom - Main Floor
Fireplace/Stove
Yes
Fireplace Features
Electric, Natural Gas
Elevator
No

Exterior Features

Pool
None
Property Features
Fenced Yard, Place Of Worship, Public Transit, Ravine, School, School Bus Route

Building

Building Type
Detached
Building Style
Bungalow

Construction

Exterior Finish
Brick
Roof
Asphalt Shingle
Foundation Details
Poured Concrete
Special Designation
Unknown

Lot

Lot Front
47.57 ft
Lot Depth
100.07 ft

Inclusions

Inclusions
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.

Parking & Garages

Garage Type
Built-In
Garage Spaces
2
Parking Spaces
2
Total Garage And Parking Spaces
4

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer

Bedrooms
3 + 2
Washrooms
3
Kitchens
1
Family / bonus room
Yes

Room sizes

  • Bedroom 3—
    Main level, Hardwood Floor, Double Closet, Large Window
  • Bedroom 2—
    Main level, Laminate, Closet, Large Window
  • Family Room—
    Lower level, Laminate, Gas Fireplace, W/O To Deck
  • Recreation—
    Basement level, Broadloom, Gas Fireplace, W/O To Patio
  • Kitchen—
    Main level, Hardwood Floor, Stainless Steel Appl, Backsplash
  • Primary Bedroom—
    Main level, Hardwood Floor, 3 Pc Ensuite, Overlooks Ravine
  • Bedroom 5—
    Lower level, Laminate, Closet, Overlooks Ravine
  • Bedroom 4—
    Lower level, Laminate, Closet, Window
  • Dining Room—
    Main level, Hardwood Floor, Overlooks Ravine, W/O To Deck
  • Living Room—
    Main level, Hardwood Floor, Overlooks Ravine, Picture Window

Washrooms

  • 4-piece, Main
  • 4-piece, Lower
  • 3-piece, Main

Municipality
Whitby
Neighbourhood
Downtown Whitby
Main cross streets
Garden St/Dundas
Directions
Garden St/Dundas

MLS® number
E13697286
Data source
Toronto Regional Real Estate Board
Listed on
2026-08-20
Updated on
2026-08-25
Days on market
64 days
Possession type
60-89 days
Co-op commission
2.5% + HST
Seller
Listed by
REMAX YOUR COMMUNITY REALTY

Home Market Value

Current home valuation for 81 Garden Street, Whitby, Downtown Whitby, Whitby, ON. Listed for $949,900

HOMEH Estimate

?

$1,036,754

Estimated Sales Range

?

$819,036 - $1,254,472

HOMEH Estimate for 81 Garden Street, Whitby, Downtown Whitby

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$1,036,754Medium confidence
Based on 8 comparable properties
− $86,854 (8%) below our estimate — Good deal!
See the full analysisFree Every recent nearby sale behind this number

For the owner

Is this your home? Track its value.

Get this home's HOMEH Estimate by email once a month, with how many homes are for sale around you.

Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
Whitby, ON
Minimum Down Payment Required:7.4%

5% on first $500K + 10% on $449,900 over $500K

Minimum down payment

$69,990

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$35,184$26,502$22,608$0
=Total mortgage
$914,791$881,412$830,023$759,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$4,466monthly$4,303monthly$4,053monthly$3,710monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$15,473

Total Land Transfer Tax

$15,473

Around this home

0/100Loading...
0/100Loading...
0/100Loading...
Map unavailable

No schools found nearby

Ask HOMEH

New!
H

Hi there!

👋

Text or call (416) 301-9001

Recommended for you

Based on homes you've looked at.

No recommended properties found.

Nearby similar homes

No nearby properties found.