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Rural Whitby, Whitby
$869,900
Welcome to 20 Bertram Gate, a beautifully upgraded 2023-built home in Whitby's sought-after Queens Commons community. Offering a thoughtfully designed living space with premium upgrades, this four-bedroom, three-bathroom home blends modern style with everyday functionality. The bright main floor features nine-foot ceilings, matte-finish engineered hardwood flooring, and an open-concept layout ideal for family living and entertaining. The spacious family room is anchored by a cozy fireplace, while the gourmet kitchen showcases granite countertops, modern cabinetry, a large centre island, and a walkout to the backyard. Upstairs, the generous primary suite offers walk-in closets and a luxurious five-piece ensuite with a freestanding tub and frameless glass shower. Three additional bedrooms, a second-floor laundry room, and an upgraded oak staircase complete the upper level. The unfinished basement includes a three-piece bathroom rough-in, providing outstanding potential for future living space. Perfectly situated just minutes from Highways 401 and 412, this home is close to shopping, restaurants, parks, trails, and everyday conveniences. Walk to one of Durham Region's largest multi-specialty medical clinics, with a new school and food plaza coming soon, making this an exceptional opportunity in one of Whitby's fastest-growing family communities.
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| Type | Semi-Detached |
| Style | 2-Storey |
| Approx. Age | 0-5 |
| Size | 1500-2000 sq. ft. |
| Property Tax | $6,514 |
| Lot Size | 24.61 ft x 109.91 ft |
| mls© Number | E13457982 |
| Listed By | RE/MAX HALLMARK REALTY LTD. |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Schools
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,453
- Property tax
- $543
- Heat allowance
- $150
- Housing costs
- $5,145 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$158,000
gross annual household income
- Payment at 4%
- $3,661 / mo
- Cash down
- $173,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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