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Listed 9 days ago

511 Centre Street S

Downtown Whitby, Whitby

$1,399,900

Detached|2 1/2 Storey
4 | 4 | 6
About this home

INCREDIBLE century home in highly sought-after Olde Whitby, blending timeless charm & character with exceptional modern updates! Upgraded top to bottom with immaculate finishes, custom millwork, crown moulding, pot & sconce lighting, built-in speakers, shiplap & thoughtful details throughout. Set on a manicured 58 x 136 ft lot with lush gardens, ample parking, cozy front porch & detached garage with 6.64 x 4.39 m workshop addition. The private backyard oasis features a wrought-iron-gated inground pool, custom pool house, natural stone patio, mature trees, pergola, gazebo & ambient exterior lighting. Inside feels straight from the pages of a magazine! Elegant living room with wainscotting & front garden views. Formal dining room with stunning waffle ceiling. Gourmet kitchen with granite counters, subway tile backsplash, extended cabinetry, under & in-cabinet lighting, pantry, breakfast bar & breakfast nook with built-in chef's desk, seating & garden-door walkout to the backyard. Convenient anteroom with heated ceramic floors & picturesque garden views. Upstairs offers 3 generous bedrooms with closet organizers, including a beautiful primary retreat with beamed ceiling & shiplap detail. Fabulous loft provides additional living space with gas fireplace, built-in bookcase & desk, 2pc bath, vaulted ceiling & skylight-perfect for a home office, study or 4th bedroom. Finished basement with separate side entry, rec room, built-in closet, 3pc bath, above-grade windows, laundry & ample storage. Homes like this rarely come to market! Steps to parks, schools & transit, with easy Hwy 401 access, GO Train & close to downtown Whitby shops, restaurants & amenities. A truly special home!

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2 1/2 Storey
Approx. Age100+
Size1500-2000 sq. ft.
Property Tax$6,843
Lot Size58.68 ft x 136 ft
mls© NumberE13830758
Listed ByTANYA TIERNEY TEAM REALTY INC.

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%
$7,165
Property tax
$570
Heat allowance
$150
Housing costs
$7,886 / mo

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

Down payment20% · $279,980
25-yr amortization

Income needed

$243,000

gross annual household income

Payment at 4%
$5,891 / mo
Cash down
$279,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

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