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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

Explore A Virtual Tour

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.

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The Property Location

Mortgage Calculator

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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

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Estimated Net Proceeds

$68,000

Realtor Fees

$25,000

Total Selling Costs

$32,000

Sale Price

$500,000

Mortgage Balance

$400,000

Meet Jess Whitehead

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.

Let's Find Your Dream Home Together