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Price Change$899,900

20 Bertram Gate

Rural Whitby, Whitby

$869,900

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

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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Milad Momtaz Azad
Milad Momtaz Azad
(647) 510-8858
Julian Kashani
Julian Kashani
(416) 837-7775
TypeSemi-Detached
Style2-Storey
Approx. Age0-5
Size1500-2000 sq. ft.
Property Tax$6,514
Lot Size24.61 ft x 109.91 ft
mls© NumberE13457982
Listed ByRE/MAX HALLMARK REALTY LTD.

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%
$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.

Down payment20% · $173,980
25-yr amortization

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 check

Investment Analysis

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