230 Robert Street, Toronto, ON
University, Toronto · MLS® C12933754
About this home
Charming Victorian Semi in the Heart of Harbord Village. Nestled in one of Toronto's most sought-after neighbourhoods, this beautifully maintained 2 1/2 storey Victorian semi sits on a laneway-accessible lot with two rear parking spaces-a rare find in the area. An exceptional opportunity for investors, end-users, renovators, and developers, this versatile property is currently configured as two self-contained units: Upper Unit (Vacant Possession): Features 1 Eat-In kitchen, 2 spacious bedrooms, 1 washroom, and a fabulous third-floor loft-ideal as a home office, studio, or additional living space. (Photos of the upper unit were taken prior to the tenant vacating). Main Floor Unit (Tenanted): Offers 1 Eat-In kitchen, a charming 1-bedroom, 1 living room, and 1 washroom layout with a private entrance. Reliable tenants take excellent care of the property, adding immediate rental value. Additional highlights include: Soaring ceilings, Elegant stained glass windows, Hardwood floors throughout. Basement with separate entrance and equipped with two sump pumps. Located just steps from Harbord & Spadina, enjoy unbeatable access to the University of Toronto, Kensington Market, hospitals, parks, and public transit. A rare opportunity to own a character-filled home with income potential in a prime downtown location.
Key facts
- Property type
- Semi-Detached, 2 1/2 Storey
- MLS®
- C12933754
- Bedrooms
- 4
- Bathrooms
- 3
- Size
- 1100-1500
- Lot
- 19.12 × 94 ft
- Cross streets
- Harbord/Spadina
- Parking
- 2 parking
- Driveway
- Private Double
- Basement
- Unfinished, Separate Entrance
- Heating
- Radiant
- A/C
- None
- Exterior
- Brick, Aluminum Siding
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,677 / 2025
- Days on market
- 110
- Listing brokerage
- HOMECOMFORT REALTY INC.
Rooms
eat-in kitchen · large window · double sink
4 pc bath · large window
hardwood floor · large window · ceiling fan(s)
hardwood floor · closet · large window
hardwood floor · closet · bay window
hardwood floor · window · irregular room
hardwood floor · picture window · bow window
eat-in kitchen · large window · walk-out
4 pc bath · window · tile ceiling
Listed at $1,499,900, this home is about 10% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in University, so I widened the search to the surrounding area.
Based on 5 similar homes nearby, adjusted for size, beds, and baths.Median of 5 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $2.07M, higher than the comparables and worth a second look.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $1.20M
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $1.24M
That comparable adjusts to $1.24M; the $1.37M estimate above is the median of all 5 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
Its public catchment (Jesse Ketchum Junior and Senior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
On location, this is a very walkable address with everyday errands close by. Spadina Ave at Sussex Ave South Side is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $1.37M, median of 5 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Currently tenanted: confirm the lease terms and vacant-possession timing before closing.
- Income potential
- Value driver
- Worth verifying
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest active listings nearby.
See all comparable homesThis home lists 22% above the area average of $946/sqft.
106 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
University, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Very WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Most daily errands can be done on foot.
🚉 Nearest transit: Spadina Ave at Sussex Ave South Side, about 162 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Toronto.
Get the full neighbourhood report (schools, parks, transit & safety) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $1,199,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,403
- Property tax
- $640
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,043
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $26,473
- Toronto municipal land transfer tax
- $26,473
- Estimated closing costs
- $52,946
Plus your down payment of $299,980. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $384,193
- Principal paid down
- $152,810
- Interest paid
- $231,383
- Balance remaining
- $1,047,110
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of HOMECOMFORT REALTY INC.. MLS®/PropTx.