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Listed 9 days ago

521 Hickory Avenue N

Downtown Whitby, Whitby

$899,999

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

Welcome home to this beautifully renovated 3-bedroom, 4-bathroom gem in the heart of downtown Whitby, sitting on a 180 FT lot with over 2300 SF of combined living space! Completely stripped down to the studs and newly renovated from top to bottom with a functional, modern layout. The main floor offers an open-concept kitchen with a dedicated breakfast nook, plus generous living and dining areas that flow seamlessly out to the backyard, along with a convenient powder room. Upstairs, find three spacious bedrooms, including a primary with its own ensuite and walk in closet, plus a large, well-appointed main bathroom. The finished basement impresses with high ceilings, a spacious entertainment area, and a fourth full bathroom - ideal for guests or movie nights. Outside, enjoy a deep, beautifully landscaped ravine backyard with interlocking stone and room to entertain, plus charming curb appeal up front with 1 garage and 2 driveway parking spaces. All this just steps from the shops, cafes, and restaurants of historic downtown Whitby. Move-in ready and waiting for you!

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2-Storey
Approx. AgeNot available
Size1500-2000 sq. ft.
Property Tax$5,945
Lot Size29.04 ft x 180.94 ft
mls© NumberE13830532
Listed ByRARE REAL ESTATE

Listing History

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  • No recent lease history for this listing.

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What the bank counts

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

Mortgage, tested at 6%
$4,607
Property tax
$495
Heat allowance
$150
Housing costs
$5,252 / mo

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

Down payment20% · $180,000
25-yr amortization

Income needed

$162,000

gross annual household income

Payment at 4%
$3,787 / mo
Cash down
$180,000

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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