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Listed 12 days ago

409 Harris Street

Downtown Whitby, Whitby

$949,900

Detached|2-Storey
4 | 3 | 3
About this home

Exceptional space, quality craftsmanship and an incredible downtown Whitby location set the stage for this impressive Denoble-built home, tucked within an intimate boutique community & offering approximately 2,105 sq ft plus a finished W/O basement with excellent in-law suite potential. With 4 spacious bedrms & 3 bathrms, this home delivers the room today's families are looking for.Step inside to a bright, inviting main floor where beautiful H/W flooring & an O/C design create an effortless flow for everyday living & entertaining. The generous dining room opens seamlessly to the living room, anchored by a cozy gas fireplace & finished with California shutters.At the heart of the home, the Eat-in kitchen combines style & function with granite counters, S/S appliances, extended cabinetry, a pantry & spacious breakfast area with W/O to the two-tier deck, interlocking patio & fully fenced backyard, perfect for summer dining, entertaining or simply unwinding outdoors. A 2-pc bath, main-floor laundry with laundry chute & direct garage access complete this level.An updated hardwood staircase with striking cast-iron spindles leads upstairs, where 4 spacious bedrooms provide plenty of room for the entire family.The generous primary retreat features a W/I closet & 5-pc ensuite, while 3 additional spacious bedrms & a 4-pc family bath complete the upper level. And there's more. The finished W/O basement significantly extends the living space & offers potential for an in-law suite or multi-generational living. Featuring a large rec room, pot lights, cantina, abundant storage, rough in for bathroom & direct access to the backyard, there's plenty of flexibility to create additional living, work or guest space.California shutters add a polished finishing touch throughout. Ideally located near parks, schools, shopping & dining, with convenient access to Hwy 401 & the GO Train.Space to grow. Room to gather. Flexibility for the future. This is downtown Whitby living at its best

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2-Storey
Approx. AgeNot available
Size2000-2500 sq. ft.
Property Tax$6,274
Lot Size29.53 ft x 114.86 ft
mls© NumberE13818190
Listed ByKeller Williams Energy Real Estate

Listing History

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  • No recent lease history for this listing.

Schools

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What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$4,862
Property tax
$523
Heat allowance
$150
Housing costs
$5,535 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $189,980
25-yr amortization

Income needed

$170,000

gross annual household income

Payment at 4%
$3,997 / mo
Cash down
$189,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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