102 Ulster Street, Toronto, ON
University, Toronto · MLS® C13169066
About this home
Modern, Custom-Built 3-Storey Semi in the Sought-After University Neighborhood. This light-filled, open-concept home features 10' ceilings andwarm chevron hardwood throughout the main floor living and dining areas. Seamlessly integrated custom trimless linear lighting and specialtypinspot fixtures set the tone, all automated through Lutron switches with full iPad, Siri, and voice-assisted smart home controls for effortlessambiance and function. The spacious chefs kitchen offers abundant storage, an oversized island, and direct access to a private patio perfect foral fresco dining. Upstairs, two generous bedrooms each include their own ensuite and ample closet space. The top-level primary retreat boasts awet bar, a large balcony with CN Tower views, and a luxurious 5-piece ensuite. The lower level offers 8' ceilings with a versatile recreation roomideal as a gym, office, or rental suite, plus an additional bedroom and full bath. Premium features include two furnaces, two A/C units, two HRV systems, in-floor heating in the basement, and radiant floor heating in the primary and second-floor bathrooms. Conveniently located near topschools, parks, shopping, theatres, and places of worship.
Key facts
- Property type
- Semi-Detached, 3-Storey
- MLS®
- C13169066
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 5 (1 half)
- Size
- 2000-2500
- Lot
- 15.5 × 75 ft
- Cross streets
- Bathurst/Harbord
- Parking
- 1 parking
- Driveway
- Lane
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Stucco (Plaster)
- Foundation
- Unknown
- Roof
- Flat, Membrane
- Sewer
- Sewer
- Property tax
- $11,093 / 2025
- Days on market
- 53
- Listing brokerage
- RE/MAX REALTRON DAVID SOBERANO GROUP
Rooms
5 pc ensuite · balcony · walk-in closet(s)
3 pc ensuite · balcony · walk-in closet(s)
4 pc ensuite · hardwood floor · closet
hardwood floor · large window · combined w/dining
tile floor · w/o to patio
hardwood floor · open concept · combined w/kitchen
tile floor · window
hardwood floor · stone counters · walk-out
Listed at $1,999,900, this home is tracking about 6% 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 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 $2.21M, a close match.
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 $1.70M
- Size difference +$474K
- Bedrooms −$30K
- Bathrooms +$30K
- Adjusts to $2.17M
That comparable adjusts to $2.17M; the $2.13M 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 (King Edward 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. Bathurst St at Ulster St 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 $2.13M, 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Heated floors: comfort and a premium-finish signal.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Lifestyle
- Worth verifying
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 10% below the area average of $990/sqft.
49 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: Bathurst St at Ulster St, about 45 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 $1,599,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $8,538
- Property tax
- $924
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $9,462
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $36,473
- Toronto municipal land transfer tax
- $36,473
- Estimated closing costs
- $72,946
Plus your down payment of $399,980. 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
- $512,266
- Principal paid down
- $203,750
- Interest paid
- $308,516
- Balance remaining
- $1,396,170
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 RE/MAX REALTRON DAVID SOBERANO GROUP. MLS®/PropTx.