
81 Garden Street
Whitby (Downtown Whitby), ON L1N 9E7
- 3+2Bedrooms
- 3Bathrooms
- 2Garage
- 1100–1500Sq Ft
- $6,927Tax
- 48×100 ftLot Size
- Estimated Value:$1,036,754See Free Estimate Report
Sale & Price History for 81 Garden Street, Whitby, Downtown Whitby
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| No listing history available | ||||
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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.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $449,900 over $500K
$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 |
Land Transfer Tax
$15,473
$15,473
Around this home
No schools found nearby
Data provided by OpenStreetMap & Fraser Institute School Rankings
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