





321 Centre Street, Downtown Whitby
Price
$1,089,000
Bedrooms2 Beds
Bathrooms2 Baths
Size1100-1500 sqft
Year BuiltNot listed
Property TypeHouse
Property Taxes$6087.99
Maintenance FeesNot listed
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Description
Turn-key and move-in ready! Beautifully updated 2+1 bedroom bungalow on a private, fenced 66x120 ft lot in Whitby's sought-after Downtown Heritage District. Enjoy a peaceful setting with mature trees, a 10x40 ft vegetable garden, and an interlocking patio with covered outdoor dining area, pot lights and gas line for BBQ - perfect for entertaining. Main floor features a full kitchen renovation (2021) with custom cabinetry, HanStone quartz counters, double sink, and premium Maytag/GE/Panasonic appliances. Spacious living room with large picture window, wall-to-wall custom built-in bookshelves, and a custom concrete fireplace mantle (2023) by a local artist. 5" white oak hardwood throughout. Updated 4-pc bath (2021) with 6-ft custom tub/shower combo and heated floors. Finished basement with separate entrance-ideal for rental income or multigenerational living. Includes a second kitchen with stainless steel appliances, large living room with wood-burning fireplace and surround sound, vinyl flooring, 3-pc bath with custom double shower, spacious bedroom with accent wall and built-in speakers, plus a quiet office/potential second bedroom. Wired networking throughout the home. Recent Improvements & Features: Roof (2020), Lennox Furnace & A/C (Oct 2025), Windows & Exterior Doors (2022), Fresh Paint (2025), Garage Door Opener (2025, Chamberlain App-Controlled), Tool Bench (2025). Freshly painted throughout (Oct 2025). Outstanding walkable location - steps to Kinsmen Park with splash pad and playground, close to schools, daycares, and Downtown Whitby's vibrant restaurants, bakeries, cafés, yoga/pilates studios, medical offices, and boutique shops. Minutes to Whitby Recreation Complex, Ability Centre, Thermea Spa, tennis and pickleball courts, library and farmers market. Minutes to Whitby GO Station & Hwy's 401, 412 & 407 for easy commuting. A rare, turn-key property offering comfort, privacy, and modern living in a prime community setting.
Property Dimensions
Main Level
Bedroom 2
Dimensions
2.67' × 3.7'
Features
window, hardwood floor, closet
Kitchen
Dimensions
4.07' × 3.7'
Features
stainless steel sink, quartz counter, hardwood floor
Living Room
Dimensions
7.97' × 3.63'
Features
fireplace, hardwood floor, pot lights
Dining Room
Dimensions
2.85' × 3.7'
Features
hardwood floor, combined w/kitchen, w/o to patio
Primary Bedroom
Dimensions
3.71' × 3.63'
Features
hardwood floor, window, closet
Basement Level
Office
Dimensions
3.14' × 2.39'
Features
Vinyl Floor
Bedroom
Dimensions
4.06' × 3.55'
Features
vinyl floor, window, built-in speakers
Living Room
Dimensions
7.29' × 3.56'
Features
pot lights, vinyl floor, fireplace
Utility Room
Dimensions
5.5' × 3.56'
Features
Kitchen
Dimensions
5.03' × 3.55'
Features
stainless steel appl, vinyl floor, pot lights
All Rooms
Office
Dimensions
3.14' × 2.39'
Features
Vinyl Floor
Utility Room
Dimensions
5.5' × 3.56'
Features
Living Room
Dimensions
7.97' × 3.63'
Features
fireplace, hardwood floor, pot lights
Living Room
Dimensions
7.29' × 3.56'
Features
pot lights, vinyl floor, fireplace
Dining Room
Dimensions
2.85' × 3.7'
Features
hardwood floor, combined w/kitchen, w/o to patio
Kitchen
Dimensions
4.07' × 3.7'
Features
stainless steel sink, quartz counter, hardwood floor
Kitchen
Dimensions
5.03' × 3.55'
Features
stainless steel appl, vinyl floor, pot lights
Primary Bedroom
Dimensions
3.71' × 3.63'
Features
hardwood floor, window, closet
Bedroom 2
Dimensions
2.67' × 3.7'
Features
window, hardwood floor, closet
Bedroom
Dimensions
4.06' × 3.55'
Features
vinyl floor, window, built-in speakers
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The Property Location
Mortgage Calculator
Total Monthly Payment
$4,420 / month
Down Payment Percentage
20.00%
Mortgage Amount (Principal)
$871,200
Total Interest Payments
$537,148
Total Payment (Principal + Interest)
$1,408,348
Determine Your Profits After Selling Your Home
Estimated Net Proceeds
$68,000
Realtor Fees
$25,000
Total Selling Costs
$32,000
Sale Price
$500,000
Mortgage Balance
$400,000

Jess Whitehead
Sales Representative
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Meet Jess Whitehead
A highly successful and experienced real estate agent, Ken has been serving clients in the Greater Toronto Area for almost two decades. Born and raised in Toronto, Ken has a passion for helping people find their dream homes and investment properties has been the driving force behind his success. He has a deep understanding of the local real estate market, and his extensive knowledge and experience have earned him a reputation amongst his clients as a trusted and reliable partner when dealing with their real estate needs.
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