607 Mary Street W
Downtown Whitby, Whitby
$799,900
Client RemarksLegal Duplex - Fully Renovated 3+2 Brick Bungalow in Old Downtown Whitby on a premium treed & private corner lot (60' x 146') with brand new shingles (2026).This charming home features a modern kitchen, open concept layout, hardwood floors, and 3 bedrooms on the main level with big bright windows. The fully finished basement includes a second kitchen, 4th & 5th bedrooms, large rec room, 3pc bath, and separate laundry units on both levels. Side entrance provides easy access to both units.Steps to highly rated E.A. Fairman Public School, Henry Street High School, parks, and library. Perfect turnkey home or income property in downtown Whitby.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $5,367 |
| Lot Size | 60 ft x 146 ft |
| mls© Number | E13451236 |
| Listed By | CENTURY 21 WENDA ALLEN REALTY |
Listing History
- No recent sale history for this listing.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,094
- Property tax
- $447
- Heat allowance
- $150
- Housing costs
- $4,692 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$144,000
gross annual household income
- Payment at 4%
- $3,366 / mo
- Cash down
- $159,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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