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$490K · 3 bed Condo Apartment · Unit 214, 580 Mary Street, Whitby, Ontario L1N 2R3 | HomeSearchCanada

$489,500

Unit 214

60 DOM

3260d

Map

DOM 60

Waterfront

$489,500

DOM60days

Unit 214

580 Mary Street · Whitby · Ontario L1N 2R3

MLS® E13530384 · Downtown Whitby · L1N 2R3

32OwnerOccupied1200-1399 ft²Condo ApartmentNoneNo basement60d$377/ft²$2,864 tax/yrNo basement

60 days on market

About this home

Visit REALTOR website for additional information. Updated 2 storey, 3 bedroom, 2 bath condo apartment (1,395 sq ft) located in the heart of Whitby. Very affordable suite with low condo fees ($507/month). Prime location close to downtown, shopping, restaurants, highly rated schools, rec centre and waterfront parks. Easy access to Whitby GO Station and Hwy 401 for commuters. This beautiful unit shows 10+ and is an absolute must see. Perfect for first time buyers and young families ready to start t…

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Property details

MLS#: E13530384
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 2-Storey
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 4 pc · Second; 2 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: Residential

Property features: Library, Park, Place Of Worship, Public Transit, Rec./Commun.Centre, School

Waterfront: Yes

Condo corp #: 13
Balcony: Open
Locker: None
Association amenities: Bike Storage
Fees include: Common Elements Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Exterior: Brick
Fronting on: —
Cross street: Dundas/Garden
Stories: 2
Utilities: —
Laundry: Laundry Room
Interior: Carpet Free, Storage, Water Heater Owned
Parking features: Surface

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: PG DIRECT REALTY LTD.

Source: TRREB/PROPTX · MLS® E13530384

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$490K

Unit 214 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $489,500✓ $2,864 tax✓ Electric✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,296/mo

incl. closing costs (yr 1)

Annual total

$51,555

year 1

Mortgage only

$1,857/mo

principal + interest

Beyond mortgage

$1,459/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$97,900

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$239/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,300 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,895/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$42/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,265

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $22,284/yr

Property taxes18% $9,129/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,895/yr

Condo fees12% $6,087/yr

Closing costs10% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,284	$1,857/mo
Government & taxes
Property tax	$2,864	$239/mo
Land transfer tax(closing)	$6,265	$522/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,895	$408/mo
Condo fees
Condo / HOA fees	$6,087	$507/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$51,555	$4,296/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 214

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs