39-57 Finch Avenue, Toronto, ON
Willowdale West, Toronto · MLS® C13205060
About this home
Sun-filled 2-bedroom + den townhome nestled in a quiet, child-safe cul-de-sac in the heart of North York at Yonge & Finch! Offering 1,042 sq.ft. of bright, functional living space with 9-ft ceilings and stunning floor-to-ceiling windows that flood every room with natural light. The versatile den makes an ideal home office, guest room, or family room, perfectly suited for a variety of lifestyles. The open-concept living and kitchen area flows effortlessly to a private south-facing balcony. The modern kitchen features quartz countertops and stainless steel appliances, ideal for everyday living and entertaining. Complete with 2 full bathrooms and 1 parking spot. Unbeatable location just steps to Finch Subway Station with direct transit to York University, and surrounded by shops, restaurants, grocery stores, and everyday amenities. A rare opportunity to own a bright, move-in ready home in one of North York's most convenient and sought-after communities!
Key facts
- Property type
- Condo Townhouse, Stacked Townhouse
- MLS®
- C13205060
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 1000-1199
- Cross streets
- Yonge & Finch
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick Veneer
- Maintenance
- $578/mo
- Exposure
- South
- Property tax
- $4,736 / 2026
- Days on market
- 51
- Listing brokerage
- UNION CAPITAL REALTY
Listed at $659,000, this home is about 22% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Priced above comparable homes overall, but the price per square foot ($599/sqft) is in line with the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in Willowdale West, so I widened the search to the surrounding area.
Based on 10 similar homes nearby, adjusted for size, beds, and baths.Median of 10 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $969K, higher than the comparables and worth a second look.
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 $510K
- Adjusts to $510K
That comparable adjusts to $510K; the $542K estimate above is the median of all 10 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 (Willowdale Middle 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. Finch Ave West at Beecroft Rd is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $542K, median of 10 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.
- Open-concept layout: modern, sought-after flow.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Lifestyle
- Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 3% below the area average of $619/sqft.
47 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Willowdale West, 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: Finch Ave West at Beecroft Rd, about 161 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
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 $527,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,813
- Property tax
- $395
- Condo / maintenance fees
- $578
- Heating
- $0
- Estimated monthly cost
- $3,786
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,655
- Toronto municipal land transfer tax
- $9,655
- Estimated closing costs
- $19,310
Plus your down payment of $131,800. 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
- $168,800
- Principal paid down
- $67,139
- Interest paid
- $101,661
- Balance remaining
- $460,061
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 UNION CAPITAL REALTY. MLS®/PropTx.