46 Lowther Avenue, Toronto, ON

Annex, Toronto · MLS® C13022438

$7,995,000
For Sale
Listed 182 days agoNo offer date statedSitting longer than typical
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5+1Bedrooms
6Bathrooms
5Parking
3500-5000Sq ft

About this home

In short

  • Behind the classic facade of 46 Lowther Avenue lies over 6,000 sqft. of beautifully curated living space designed for modern family life in the heart of Yorkville.
  • Every detail has been thoughtfully planned from the open-concept kitchen that anchors the home, to the spacious family room that opens onto a private, estate-like...
  • The primary bedroom is a peaceful retreat with a 6-piece spa-inspired ensuite with fireplace and walk-in closet.

Behind the classic facade of 46 Lowther Avenue lies over 6,000 sqft. of beautifully curated living space designed for modern family life in the heart of Yorkville. Every detail has been thoughtfully planned from the open-concept kitchen that anchors the home, to the spacious family room that opens onto a private, estate-like landscaped oasis. The elegant living and dining room offer sophisticated spaces for entertaining, while the home's generous proportions and timeless finishes create an atmosphere of understated luxury. The primary bedroom is a peaceful retreat with a 6-piece spa-inspired ensuite with fireplace and walk-in closet. Two additional bedrooms and a convenient laundry room complete the second floor. The third-floor loft adds flexibility with two more bedrooms, a full bathroom, and ample storage perfect for growing families or guests. The lower level is designed for both comfort and lifestyle, featuring a nanny/bedroom suite with ensuite, wine cellar, lounge, gym, sauna, and abundant storage. Outdoors, the professionally landscaped backyard invites relaxation with multiple decks and lush greenery - a true escape in the city. Situated perfectly on one of Toronto's most desired and admired tree-lined streets, steps from Yorkville's world class shopping, Michelin Starred dining, and top schools, this residence combines elegance, functionality, and the most coveted downtown address.

Key facts

Property type
Detached, 2 1/2 Storey
MLS®
C13022438
Bedrooms
5+1 (6 total)
Bathrooms
6 (2 half)
Size
3500-5000 sq ft
Lot
45.5 × 142.81 ft
Cross streets
Bedford Rd / Bloor St W
Parking
5 parking
Driveway
Private
Basement
Finished
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Unknown
Roof
Slate
Sewer
Sewer
Property tax
$38,857 / 2026
Days on market
182
Listing brokerage
CHESTNUT PARK REAL ESTATE LIMITED

Rooms

Dining RoomMain3.84 × 5.21 m

b/i shelves · pot lights · hardwood floor

KitchenMain6.27 × 4.45 m

open concept · combined w/family · b/i appliances

Living RoomMain3.71 × 5.08 m

large window · fireplace · hardwood floor

Bedroom 5Third4.27 × 5.57 m

double closet · b/i desk · hardwood floor

Exercise RoomLower6.43 × 3.51 m

mirrored walls · hardwood floor · pot lights

RecreationLower3.40 × 4.75 m

pot lights · french doors · hardwood floor

Bedroom 3Second4.88 × 3.35 m

large window · closet · overlooks garden

Bedroom 4Third3.84 × 5.08 m

4 pc ensuite · b/i desk · pot lights

SittingLower3.10 × 5.00 m

pot lights · hardwood floor · window

Primary BedroomSecond3.99 × 5.18 m

6 pc ensuite · fireplace · walk-in closet(s)

Family RoomMain6.27 × 4.57 m

combined w/kitchen · w/o to deck · window floor to ceiling

BreakfastMain6.27 × 2.29 m

eat-in kitchen · combined w/family · pot lights

BedroomLower3.58 × 4.90 m

4 pc ensuite · pot lights · hardwood floor

Bedroom 2Second4.88 × 3.68 m

closet · window · hardwood floor

Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

Considering this property? Request a written price read

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.

Neighbourhood & location

Annex, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Dovercourt-Wallace Emerson-Junction
$1.25M
Leaside
$2.15M
Woodbine-Lumsden
$949K
Banbury-Don Mills
$5.50M
St. Andrew-Windfields
$4.10M

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near Huron Street Junior Public School
74%
Huron Street Junior Public SchoolPublic · Elementary · 0.4 km awayAround the GTA average · 74% meet the provincial standard
St. BrunoEQAO results not published
Also nearby: 12 more schools within 2.5 km
St Joseph's College School · Catholic secondary1.0 km · 76% at standard
Cottingham Junior Public School · Public elementary1.1 km · 100% at standard
Central Technical School · Public secondary1.2 km · 54% at standard
Loretto College School · Catholic secondary1.3 km · 62% at standard
Msgr Fraser Orientation Centre · Catholic secondary1.3 km
da Vinci School · Public elementary1.3 km · 67% at standard
Lord Lansdowne Junior Public School · Public elementary1.4 km · 85% at standard
Orde Street Public School · Public elementary1.4 km · 76% at standard
Palmerston Avenue Junior Public School · Public elementary1.4 km · 80% at standard
Rosedale Junior Public School · Public elementary1.5 km · 94% at standard
King Edward Junior and Senior Public School · Public elementary1.6 km · 83% at standard
Brown Junior Public School · Public elementary1.6 km · 86% at standard

Not the assigned catchment: schools a family here could reach, with EQAO results where published.

Affordability & Mortgage

Affordability
$36,439/mo
$1492KIncome needed
5.4×Price ÷ income
$8,409Weekly cost
$492,550Land transfer tax, one-time (Ontario + Toronto)
20% down4.79%25-yr amortization

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.

92%mortgage
Mortgage $36,439Property tax $3,238Total carry $39,677

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

$
20.0%
$
%

Homes over $1.5M can't be insured, so 20% down or more is required.

4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$35,365per month

Mortgage amount $6,396,000 · 4.49% over 25 years

$1,599,000Down payment (20.0%)
$6,396,000Loan before insurance
$0CMHC premium
$38,603Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$35,365
Property tax
$3,238
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$38,603

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$186,350
Toronto municipal land transfer tax
$306,200
Estimated closing costs
$492,550

Plus your down payment of $1,599,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$42,803/monthPayment at the qualifying rate

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

$4,213,374Total interest paid
$10,609,374Total of all payments
Principal $6,396,000 Interest $4,213,374
YearPrincipalInterestBalance
1$142,731$281,643$6,253,269
2$149,212$275,163$6,104,056
3$155,987$268,388$5,948,070
4$163,069$261,306$5,785,000
5$170,473$253,902$5,614,527
6$178,214$246,161$5,436,313
7$186,305$238,070$5,250,008
8$194,764$229,611$5,055,244
9$203,607$220,768$4,851,637
10$212,852$211,523$4,638,785
11$222,516$201,859$4,416,269
12$232,619$191,756$4,183,650
13$243,181$181,194$3,940,469
14$254,222$170,153$3,686,246
15$265,765$158,610$3,420,481
16$277,832$146,543$3,142,649
17$290,447$133,928$2,852,203
18$303,634$120,741$2,548,569
19$317,420$106,955$2,231,148
20$331,832$92,543$1,899,316
21$346,899$77,476$1,552,417
22$362,650$61,725$1,189,767
23$379,115$45,260$810,652
24$396,329$28,046$414,324
25$414,324$10,051$0

At the end of your 5-year term

Total paid over the term
$2,121,875
Principal paid down
$781,473
Interest paid
$1,340,402
Balance remaining
$5,614,527

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.

Let's connect

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

Rental yield
Estimate$7,350/mo
$88,200Gross annual rent
0.5%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

1.1%
Gross yield
− Property tax $38,857− Insurance $1,400− Vacancy & upkeep $9,702Net operating income $38,241

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of CHESTNUT PARK REAL ESTATE LIMITED. MLS®/PropTx.

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