244 Cottingham Street, Toronto, ON
Casa Loma, Toronto · MLS® C13176558
About this home
A very special house in the Heart of the Rathnelly neighbourhood, known for its vibrant community, wonderful neighbours and excellent schools just a few minutes' walk away. Renovated yet maintaining charm and personality with high ceilings, hardwood floors and window seats. The main level boasts an open-concept design that opens up to a landscaped, low-maintenance city garden. The recent addition on the ground floor creates a bright breakfast nook or cozy family room. The elegantly renovated kitchen, equipped with stone countertops and high-end appliances, makes cooking a joy! A gracious staircase leads to two primary suites and a third bedroom, all filled with natural light. A separate entrance at the front provides access to the basement, enhancing convenience. The home is abundant in storage throughout, making it an ideal choice for downsizers or young families. Walk to revitalized Dupont St., Yorkville, Yonge Street, and St. Clair, you are in the centre of it all, yet on a quiet street with a park literally across the road. With no homes across the street, convenient street parking is typically available right outside your door. This is a your chance to get into this great neighbourhood.
Key facts
- Property type
- Semi-Detached, 2 1/2 Storey
- MLS®
- C13176558
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000
- Lot
- 16.67 × 100 ft
- Cross streets
- Rathnelly and Cottingham
- Parking
- 0 parking
- Driveway
- Street Only
- Basement
- Partially Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Stone
- Roof
- Not Applicable
- Sewer
- Sewer
- Property tax
- $8,348 / 2026
- Days on market
- 52
- Listing brokerage
- CHESTNUT PARK REAL ESTATE LIMITED
Rooms
2 Pc Bath
hardwood floor · combined w/dining
hardwood floor · w/o to yard
walk-out · laminate
walk-in closet(s) · 4 pc ensuite · double doors
closet · hardwood floor
hardwood floor · combined w/living
renovated · combined w/br · w/o to yard
4 pc ensuite · b/i closet · hardwood floor
Listed at $1,749,000, this home is about 5% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Below comparable homes on total price, yet the price per square foot ($999/sqft) is above the area, which usually points to a smaller or more efficient layout.
There were not many closely comparable homes right in Casa Loma, so I widened the search to the surrounding area.
Based on 7 similar homes nearby, adjusted for size, beds, and baths.Median of 7 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $2.00M, 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 $1.80M
- Bedrooms +$30K
- Adjusts to $1.83M
That comparable adjusts to $1.83M; the $1.85M estimate above is the median of all 7 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 (Brown Junior 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. Avenue Rd at Cottingham St South Side is about a 4-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $1.85M, median of 7 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.
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Open-concept layout: modern, sought-after flow.
- 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 3 closest active listings nearby.
See all comparable homesThis home lists 22% above the area average of $818/sqft.
48 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Casa Loma, 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: Avenue Rd at Cottingham St South Side, about 307 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 $1,399,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,467
- Property tax
- $696
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,162
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $31,455
- Toronto municipal land transfer tax
- $31,455
- Estimated closing costs
- $62,910
Plus your down payment of $349,800. 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
- $447,999
- Principal paid down
- $178,188
- Interest paid
- $269,811
- Balance remaining
- $1,221,012
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 CHESTNUT PARK REAL ESTATE LIMITED. MLS®/PropTx.