105-107 Spadina Road, Toronto, ON
Annex, Toronto · MLS® C12985206
About this home
Located In the Iconic Prestigious Forest Hill Neighbourhood. Lot Size With 25 Ft. Frontage x 2 Along Spadina Rd. 130 Ft Depth. Large Residential Units With 10 Feet Ceiling. Freehold And Upkeep Maintenance Building. Easy Access To Restaurants, Shops, University Of Toronto, George Brown College And Toronto Metropolitan University. 105 Spadina Rd (3,362 Sq.Ft.) With Lower Level (1,245 Sq.Ft.) & 107 Spadina Rd (3,523 Sq.Ft.) With Lower Level (1,275 Sq.Ft.). Combined Total: 6,885 Sq.Ft. (Plus Lower Level 2,520 Sq.Ft.)
Key facts
- Property type
- Semi-Detached, 3-Storey
- MLS®
- C12985206
- Bedrooms
- 11
- Bathrooms
- 6
- Size
- 3500-5000
- Lot
- 50 × 130 ft
- Cross streets
- Bloor Street West/ Spadina Road
- Parking
- 6 parking
- Basement
- None
- Heating
- Radiant
- A/C
- None
- Exterior
- Brick, Stone
- Foundation
- Unknown
- Roof
- Unknown
- Sewer
- Sewer
- Property tax
- $21,318 / 2025
- Days on market
- 98
- Listing brokerage
- CITY PLUS REALTY INC.
Listed at $3,996,000, this home is tracking about 35% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 21 similar homes nearby, adjusted for size, beds, and baths.Median of 21 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $4.96M, a bit lower.
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 $4.66M
- Bedrooms +$210K
- Bathrooms +$15K
- Adjusts to $4.88M
That comparable adjusts to $4.88M; the $6.12M estimate above is the median of all 21 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 Rd at Kendal Ave is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $6.12M, median of 21 comparables.
This home lists 37% below the area average of $1,501/sqft.
94 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Annex, 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 Rd at Kendal Ave, about 67 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
Homes over $1.5M can't be insured, so 20% down or more is required.
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 $3,196,800 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $17,059
- Property tax
- $1,777
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $18,836
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $86,375
- Toronto municipal land transfer tax
- $96,335
- Estimated closing costs
- $182,710
Plus your down payment of $799,200. 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
- $1,023,559
- Principal paid down
- $407,113
- Interest paid
- $616,445
- Balance remaining
- $2,789,687
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
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 CITY PLUS REALTY INC.. MLS®/PropTx.