20 Saddletree Drive, Toronto, ON
Bayview Woods-Steeles, Toronto · MLS® C13181838
About this home
Modern Renovated with Lots of Upgrades 4 bedroom and 2.5+1 Bathrooms situated on a rare ravine lot backing onto Duncan Creek Trail, Calm & Prestigious Community Cul-De-Sac, $$$300K+++SPEND ON Updated, Finished Separate Entrance W/O Basement with 9ft ceiling, Beautiful Garden, open concept expansive living and sitting, updated Hardwood Floor main floor, Bathrooms, Kitchen, Breakfast, Laundry, Smooth ceiling in main floor, Pot Lights, Interlocking Driveway(2023), Fresh Painting(2025), Engineer Hardwood Flooring 2nd Floor(June 2025), Hardwood Stairs, All Energy Eff. Windows & Patio Door, Prof. Landscaping, Fully Fenced Yard, Cascading Fish Pond In The Backyard, High Eff. Furnace(2018), Roof (2018), Air Conditioners(2022), School: A.Y.Jackson & Zion Heights, Near parks, transit, and shopping.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13181838
- Bedrooms
- 4
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000
- Lot
- 55.76 × 145.6 ft
- Cross streets
- Leslie St. / Steeles Ave. E.
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Finished with Walk-Out, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $10,357 / 2025
- Days on market
- 51
- Listing brokerage
- REAL HOME CANADA REALTY INC.
Rooms
hardwood floor · closet · window
hardwood floor · window
hardwood floor · closet · window
hardwood floor · fireplace · w/o to deck
laminate · w/o to garden · pot lights
ceramic floor · w/o to deck · quartz counter
hardwood floor · w/o to deck · 4 pc ensuite
hardwood floor · closet · window
laminate · window
hardwood floor · window · pot lights
laminate · large window · pot lights
hardwood floor · large window · pot lights
Listed at $1,898,000, this home is within the range of comparable homes, on the lower side. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in Bayview Woods-Steeles, so I widened the search to the surrounding area.
Based on 13 similar homes nearby, adjusted for size, beds, and baths.Median of 13 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $2.52M, a bit higher. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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 $1.19M
- Bathrooms +$15K
- Adjusts to $1.20M
That comparable adjusts to $1.20M; the $2.09M estimate above is the median of all 13 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.
On schools, this address is zoned for Zion Heights Middle School, one of the higher-rated public schools in the area. A strong catchment tends to hold value and widen your resale pool, especially with family buyers.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Leslie St at Francine Dr South Side is about a 4-minute walk away.
Total price vs nearby homes. Fair value about $2.09M, median of 13 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.
- Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Income potential
- Worth verifying
- Value driver
- 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 1% below the area average of $700/sqft.
50 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Bayview Woods-Steeles, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
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.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: Leslie St at Francine Dr South Side, about 339 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 $1,518,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $8,103
- Property tax
- $863
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,966
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $34,435
- Toronto municipal land transfer tax
- $34,435
- Estimated closing costs
- $68,870
Plus your down payment of $379,600. 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
- $486,165
- Principal paid down
- $193,369
- Interest paid
- $292,796
- Balance remaining
- $1,325,031
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 REAL HOME CANADA REALTY INC.. MLS®/PropTx.