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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 11 days

    20 Cardiff Court

    Lynde Creek·Whitby, ON·L1N 5N9·Near MICHAEL BLVD

    • 3 beds
    Whitby real estate›E13434122
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Welcome to this beautifully updated 3-bedroom, 2-bathroom side-split bungalow nestled in the heart of West Lynde, one of Whitby's most sought-after family-friendly communities. Situated on a quiet, tree-lined cul-de-sac and connected directly to Central Park right beside the home, this property offers the perfect blend of privacy, convenience, and neighborhood charm. Surrounded by a thriving community of young families in one of Whitby's booming areas, this home is ideally located close to public schools, daycares, grocery stores, public transit, the GO Station, and the Iroquois Park Sports & Community Centre. Inside, you'll find a thoughtfully renovated interior featuring a stunning farmhouse-style kitchen complete with a custom vent hood, modern finishes, and exceptional functionality. Beautiful custom bay windows and a large picture window fill the home with natural light, creating warm and inviting living spaces. The spacious layout offers three generous bedrooms and two updated bathrooms, ideal for growing families. Step outside to your own private backyard retreat featuring a walkout deck, mature shaded trees, fruit trees, and an above-ground pool-perfect for entertaining, relaxing, and enjoying summer days with family and friends. A rare opportunity to own a move-in-ready home in a highly desirable West Lynde location where parks, schools, recreation, and everyday amenities are all just moments away. Separate Basement Entrance and potential in-law suite. Don't miss your chance to call this exceptional family home yours!

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jun 10, 2026ListedCurrentFor sale$849,500 —E13434122This page
    Oct 28, 2025Previously listedExp$799,900 —E12486056View
    Jul 22, 2025Previously listedTer$899,900 —E12300168View
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Forced Air
      Air conditioning
      Central Air
      Fireplaces
      2
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 20 Cardiff Court
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $4,173
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $445
    0.63% mill rate · ON
    The market

    How this home sits in the Whitby market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Whitby market right now

    Average sold price, days on market, and closed-transaction count for Whitby — sourced from MLS®.

    • Avg sold price
      $928,805
      Last 30 days
    • Median sold price
      $875,000
      Middle of the market
    • Days on market
      22 d
      Avg from list to close
    • Closed last 30d
      426
      MLS® transactions
    Full Whitby market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 20 Cardiff Court — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 20 Cardiff Court and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 20 Cardiff Court listed for?

      20 Cardiff Court is listed at $849,500 on the MLS® (listing E13434122). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 20 Cardiff Court have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 2 baths
  2. 700-1100 sqft
  3. Detached
  4. Built 51-99
  5. < .50 ac lot
  6. Asking
    $849,500
    $0 / sqft · MLS® E13434122
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $928,805
    $854,501Confidence range$1,003,109
    Asking vs estimate
    ↓below
    −$79,305
    (-8.5%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Whitby sell in about 22 days — this one has been listed 11 days.

    Avg sold price
    $928,805
    Median sold
    $875,000
    Avg days on market
    22
    Recently sold
    426
    See comparable sales
    AI highlights by Zara
    • Inside, you'll find a thoughtfully renovated interior featuring a stunning farmhouse-style kitchen complete with a custom vent hood, modern finishes, and exceptional functionality.
    • Beautiful custom bay windows and a large picture window fill the home with natural light, creating warm and inviting living spaces.
    • The spacious layout offers three generous bedrooms and two updated bathrooms, ideal for growing families.
    • Step outside to your own private backyard retreat featuring a walkout deck, mature shaded trees, fruit trees, and an above-ground pool-perfect for entertaining, relaxing, and enjoying summer days with family and friends.
    Ask Zara a follow-up
    Municipal
    Sewer
    Septic
  8. Parking & garage

    3
    Garage
    None
    Parking spaces
    2
    Driveway
    2
  9. Interior

    6
    Basement
    Partially Finished, Crawl Space, Half, Separate Entrance, Walk-Up
    Family room
    N
    Kitchens
    1
    Total rooms
    6
    Laundry level
    Lower Level
    Elevator
    N
  10. Exterior & construction

    4
    Exterior
    Aluminum Siding, Brick Front
    Roof
    Asphalt Shingle
    Foundation
    Brick, Concrete Block
    Pool
    Above Ground
  11. Lot & land

    2
    Year built
    51-99
    Zoning
    RESIDENTIAL
  12. Listing & possession

    3
    Possession
    2026-07-31T00:00:00.000-00:00
    Property style
    Bungalow
    Property class
    Detached
  13. Room-by-room · 7 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    3 rooms
    • Living Room
      Carpet Free
      14.9 × 14.1 ft
    • Kitchen
      carpet free · above grade window
      10.2 × 9.5 ft
    • Dining Room
      Casement Windows
      10.6 × 9.4 ft

    Second level

    3 rooms
    • Primary Bedroom
      bay window · casement windows · carpet free
      10.7 × 11.1 ft
    • Bedroom 2
      11.8 × 8.4 ft
    • Bedroom 3
      Carpet Free
      9.7 × 8.5 ft

    Basement level

    1 room
    • Great Room
      17.9 × 11.8 ft
    Combined estimate
    $4,618
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $4,173
    /mo
    based on the purchase price of $849,500
    $169,900 cash
    $679,600 financed
    $572,402 total interest
    Monthly payment$4,173/ month
    Principal54%$679,600
    Interest46%$572,402

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Whitby

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 33 Billings Street
      Sold
      Sign in for price
      33 Billings Street
      Detached
    • 44 Micklefield Avenue
      Sold
      Sign in for price
      44 Micklefield Avenue
      Detached
    • 27 Ogston Crescent
      Sold
      Sign in for price
      27 Ogston Crescent
      Detached
    • 435 Coronation Road
      Sold
      Sign in for price
      435 Coronation Road
      Detached
    • 49 Harkness Drive
      Sold
      Sign in for price
      49 Harkness Drive
      Detached
    • 4 Silverbirch Place
      Sold
      Sign in for price
      4 Silverbirch Place
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    20 Cardiff CourtThis home3 / 27,001,100$849,500ask———
    33 Billings Street4 / 42,000—
    44 Micklefield Avenue4 / 53,000—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Whitby

    Active listings within ±20% of this asking price.

    • 829 Athol Street
      $718,800
      829 Athol Street
      Detached 2 2
    • 19 Kinross Avenue
      $849,900
      19 Kinross Avenue
      Detached 4 4
    • 6 Ribblesdale Drive
      $899,900
      6 Ribblesdale Drive
      Detached 3 4
    • 69 Mantz Crescent
      $799,000
      69 Mantz Crescent
      Detached 3 4
    • 5 Teddington Crescent
      $880,000
      5 Teddington Crescent
      Detached 3 4
    • 67 Kenilworth Crescent
      $850,000
      67 Kenilworth Crescent
      Detached 3 4
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  14. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  15. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  16. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  17. Public listing courtesy of RIGHT AT HOME REALTY · displayed on Summitly per MLS® data-share rules

    20 Cardiff Court is a 3-bedroom, 2-bath, 700-1100 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  18. When was 20 Cardiff Court built?

    20 Cardiff Court was built in 51-99. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  19. What is the property tax for 20 Cardiff Court?

    The 'Property tax' tab in the History section shows the most recent annual tax for 20 Cardiff Court plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  20. How much would the monthly mortgage be on 20 Cardiff Court?

    The affordability calculator on this page shows an estimated monthly mortgage for $849,500 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  21. Has 20 Cardiff Court been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 20 Cardiff Court with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  22. What neighbourhood is 20 Cardiff Court in?

    20 Cardiff Court is in Lynde Creek, Whitby. The 'Neighbourhood' section below links to the live Whitby real estate hub with average sold price, days on market, and current inventory.

  23. Is Whitby a good place to live?

    Whitby is one of ON's actively-tracked Summitly markets. The full Whitby real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  24. 27 Ogston Crescent
    4 / 4
    2,000
    —
    435 Coronation Road4 / 42,000—
    49 Harkness Drive4 / 42,000—
    4 Silverbirch Place4 / 32,000—