414 Centre Street, Whitby, ON

$949,900
MLS#:E13205976
3 beds
3 baths
1500-2000 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow-Raised detached located in the coveted neighborhood of Downtown Whitby. Expertly crafted featuring premium aluminum siding and 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.

  • 3 Bedrooms and 3 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 66 x 143.2 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient built-in configuration
  • Notable attributes: None
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

"This 3 bedroom, 3 bath Raised Bungalow placed on a large plot has so much for you to enjoy for large family functions! With its' west facing yard, enjoy beautiful sunsets sitting in the spacious sunroom with your coffee in the morning and dining on the patio at night. Many customized updates and situated in one of the downtown's most highly desirable neighbourhoods, with a park across the street. Just a short walk to downtown shops, restaurants, the library and healthcare, this home truly delivers on "Location, Location, Location. Highly rated elementary school with a short walk! "With natural light throughout, the open flow kitchen-dining-living area is ideal for entertaining and interacting with family. Modern comforts include a spacious, customized eat-in kitchen, large island, granite countertops, wall oven and prep sink. The main floor laundry is super handy. Living areas have hardwood, cork and tile throughout, no carpets! The spacious primary bedroom suite includes an oversized walk-in closet and oversized bathroom with a luxurious Spa-inspired shower. The 2nd bedroom can be an office or guest suite when entertaining family and friends. The lower level could be an in-law or teen suite and includes a nicely finished family room, a generously-sized additional bedroom, 3 piece bath, a kitchenette and a handyman's workshop. This meticulously maintained 2+1 bedroom could easily be converted back to a 3+1 bedroom. And with several customized storage areas, it's an organizers dream! The 2 car garage with kitchen entry is great for bringing in groceries. Plus the 4-car driveway means no fighting for space. You can have it all in this home, and it's move-in ready.

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Key Features

Bedrooms
3
Bathrooms
3
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date5/27/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow-Raised
ConstructionAluminum Siding, Brick
BasementFinished
Lot Size66 × 143.2 Feet
CountyDurham
Annual Tax$6,913.93
Legal DescriptionLT 109 PL H50030; WHITBY

Parking & Garage

Parking Spaces6.0
Garage Spaces4
Garage TypeBuilt-In

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Clear View, Golf, Library, Park, Public Transit, School

Interior Features

None

Security Features

Smoke Detector

Community Features

Location

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414 Centre Street, Whitby, ON
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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 414 Centre Street N, Whitby, ON L1N 4T4

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.

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Mortgage & Affordability Audit

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

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Interest Rate5.25%
Down Payment$69,990 (7.4%)
* Minimum Canadian down payment required for this price is $69,990.
Amortization Period25 Years
Estimated Monthly Payment$5,244Based on a loan of $879,910 over 25 years.
Purchase Price$949,900
Loan Amount$879,910
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.

Nearby Listings

Distance:

No current listings found in Whitby.

Similar Listings Nearby

City & 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$813,962

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%

Local Schools Guide

Elementary Schools

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

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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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.