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New2 days ago

123 Ardwick Street

Blue Grass Meadows, Whitby

$767,000

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

Welcome to one of the most exciting opportunities in Bluegrass Meadows. Offering over 2,000 square feet of living space with a double garage and an impressive mature lot, this is the kind of property that is increasingly hard to find at this price point. Offered for sale for the first time, the home was built and lovingly maintained by its original owner, with a focus on solid construction, extra wall thickness for better insulation and energy efficiency, as well as long term functionality. The unique layout offers tremendous flexibility for growing families, multi-generational living or buyers looking to create two living spaces. The ground level features its own separate entrance, bathroom, bedroom, and galley kitchen, creating an excellent foundation for an independent living area. Upstairs offers generous living space, large west facing windows, three bedrooms and the ability to function as its own complete level. The fully functional laundry set-up can also be relocated, further enhancing the possibilities. Whether you enjoy it as a single family home, an inlaw suite or two self contained units, this layout gives you options not found in every home. Buyers to independently verify zoning, permits and feasibility for any secondary unit or conversion. Outside the property impresses with a large yard, mature tree line, and a quiet residential street - offering privacy and an outdoor retreat. Additional features: extra deep, fully insulated garage, a high-efficiency gas fireplace, wood burning stove, extra wall thickness throughout for maximum insulation and energy efficiency, 2026 owned hotwater heater, 2016 roof. Appliances for both kitchens included. Close to shopping, major highways, transit and GO train. Enjoy it as is or adapt the versatile layout to your needs.

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2-Storey
Approx. AgeNot available
Size2000-2500 sq. ft.
Property Tax$6,048
Lot Size57.88 ft x 106.26 ft
mls© NumberE13855850
Listed ByREVEL Realty Inc.

Listing History

  • No recent sale history for this listing.
  • 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%
$3,926
Property tax
$504
Heat allowance
$150
Housing costs
$4,580 / mo

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

Down payment20% · $153,400
25-yr amortization

Income needed

$141,000

gross annual household income

Payment at 4%
$3,228 / mo
Cash down
$153,400

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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