81 Garden Street, Whitby, ON

$949,900
MLS#:E13697286
5 beds
3 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Added:Aug 20, 2026(8 days ago)
Updated:Aug 25, 2026(3 days ago)
Last Checked:8 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Downtown Whitby. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $949,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 5 Bedrooms and 3 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 47.57 x 100.07 ft lot
  • Features a finished with walk-out, separate entrance basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available with a convenient built-in configuration
  • Notable attributes: Auto Garage Door Remote, In-Law Capability, Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

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.

Upcoming Open Houses

Saturday, August 29, 20262:00 PM - 4:00 PMPublic
Sunday, August 30, 20262:00 PM - 4:00 PMPublic
Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This detached home located at 81 Garden Street, Whitby is currently for sale and has been available on SousaSells for 8 days. This property is listed at $949,900 with an estimated mortgage of $3,162* per month. It has 5 beds, 3 bathrooms, and is 1100-1500 square feet. 81 Garden Street, Whitby is in the Downtown Whitby neighborhood.

Work with the SOUSA TEAM to unlock your .

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 5 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Downtown Whitby, Whitby.

Highly Recommended for Families
What We Love About This Home
  • •5 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Downtown Whitby, Whitby.

Target Buyer Match

Key Features

Bedrooms
5
Bathrooms
3
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedAug 20, 2026 (8 days ago)
UpdatedAug 25, 2026 (3 days ago)
Last Checked8 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementFinished with Walk-Out, Separate Entrance
Lot Size47.57 Ă— 100.07 Feet
CountyDurham
Annual Tax$6,927.25
Legal DescriptionPCL 5-1, SEC 40M1636; LT 5, PL 40M1636; S/T AS IN LT489621 ; TOWN OF WHITBY

Parking & Garage

Parking Total4.0
Parking Space2
Garage TypeBuilt-In

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Fenced Yard
  • Place Of Worship
  • Public Transit
  • Ravine
  • School
  • School Bus Route

Interior Features

  • Auto Garage Door Remote
  • In-Law Capability
  • Primary Bedroom - Main Floor

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 81 Garden Street, Whitby, ON

Q.What is the asking price for 81 Garden Street, Whitby, ON ?

The current listing price for 81 Garden Street, Whitby, ON in Downtown Whitby, Whitby is $949,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 5 bedrooms and 3 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 81 Garden Street, Whitby, ON ?

81 Garden Street, Whitby, ON is a Detached (Bungalow) featuring a Finished with Walk-Out, Separate Entrance basement.

Q.What key property features does 81 Garden Street, Whitby, ON offer?

Key property features include: Fenced Yard, Place Of Worship, Public Transit, Ravine, School, School Bus Route.

Q.What interior features are included in this home?

Interior highlights include: Auto Garage Door Remote, In-Law Capability, Primary Bedroom - Main Floor.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (Built-In).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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81 Garden Street, Whitby, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Downtown Whitby, Whitby

SAFETY RATING9.0 / 10
Low Incident Area
Total Annual Incidents75 incidents / yr
Average Per Month6.3 incidents / mo
Population Benchmark22,000 residents
Personal Safety
Low

26 assaults (118.2/100k)

Property Security
Low

14 B&E (63.6/100k)

Auto Theft Risk
Moderate

20 thefts (90.9/100k)

1-Year Trend
â–Ľ 3.8%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Durham Regional Police Service (DRPS) Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 81 Garden Street, Whitby, ON L1N 9E7

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Whitby.

Configure Loan Settings

Interest Rate4.00%
Down Payment$284,970 (30.0%)
* Minimum Canadian down payment required for this price is $69,990.
Amortization Period30 Years
Estimated Monthly Payment$3,162Based on a loan of $664,930 over 30 years.
Purchase Price$949,900
Loan Amount$664,930
Provincial Land Transfer Tax:$15,473
Total Estimated Closing Taxes:$15,473

About Purchasing a Home in Whitby, ON

For a property listed at $949,900 in Whitby, the legal minimum down payment is $69,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $15,473 for this transaction. As this listing is in Whitby (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $15,473.

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Downtown Whitby, Whitby Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Downtown Whitby, Whitby.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$832,107

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Downtown Whitby, Whitby

Elementary Schools

Jean-Paul II
Public1001 Hutchison Avenue, Whitby, Ontario, L1N 2A3
6.6
Earl A Fairman
Public620 Walnut Street West, Whitby, Ontario, L1N 2W8
9.5
Sir William Stephenson
Public1125 Athol Street, Whitby, Ontario, L1N 4A6
4.6
C E Broughton
Public80 Crawforth Street, Whitby, Ontario, L1N 9L6
5.6
West Lynde
Public270 Michael Boulevard, Whitby, Ontario, L1N 6B1
6.9

Secondary Schools

Henry Street
Public600 Henry Street, Whitby, Ontario, L1N 5C7
6.8
Anderson
Public400 Anderson Street, Whitby, Ontario, L1N 3V6
7.9
Donald A. Wilson
Public681 Rossland Road West, Whitby, Ontario, L1P 1Y1
8.4

Downtown Whitby, Whitby Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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