11 Chipstead Road, Toronto, ON
Banbury-Don Mills, Toronto · MLS® C13218774
About this home
Exceptional custom-built 4+1 bedroom, 6-bath residence on a quiet, tree-lined street in prestigious York Mills. Soaring 10' ceilings on the main floor and 9' ceilings on the second and lower levels create a bright, open feel, highlighted by dramatic two-storey (20') full-height glass windows overlooking a private backyard with automated shades. The grand family room features a two-storey bookmatched slab fireplace, coffered ceiling, and skylight, while the chef's kitchen boasts high-end appliances, oversized island, and custom cabinetry. Elegant marble and natural stone finishes, refined mouldings, and built-in millwork elevate every space. The primary suite offers a spa-inspired ensuite and generous walk-in closets. Beautiful professionally landscaped grounds complete the home's private oasis. Located within the highly sought-after Denlow School district and close to top private schools including Crescent School, The Toronto French School, and Havergal College, this home combines luxury, style, and exceptional location.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13218774
- Bedrooms
- 5 (4 + 1)
- Bathrooms
- 6 (1 half)
- Size
- 3500-5000
- Lot
- 60 × 120 ft
- Cross streets
- York Mills & Banbury
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private
- Basement
- Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $22,638 / 2025
- Days on market
- 51
- Listing brokerage
- HC REALTY GROUP INC.
Rooms
hardwood floor · 4 pc ensuite · large window
hardwood floor · open concept · large window
hardwood floor · french doors · large window
hardwood floor · 3 pc ensuite · walk-in closet(s)
hardwood floor · skylight · window floor to ceiling
hardwood floor · 6 pc ensuite · walk-in closet(s)
marble floor · laundry sink · quartz counter
hardwood floor · 4 pc ensuite · large window
wet bar · 3 pc bath · large window
hardwood floor · open concept · large window
window · double closet · large window
marble floor · granite counters · breakfast area
Listed at $4,990,000, this home is about 28% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
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 $4.56M, a bit higher.
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 $3.80M
- Adjusts to $3.80M
That comparable adjusts to $3.80M; the $3.90M 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.
On schools, this address is zoned for York Mills Collegiate Institute, 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, this is a more car-dependent spot, so buyers here typically drive. Chipstead Road is about a 4-minute walk away. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $3.90M, 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Primary suite: a key comfort and resale feature.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- 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 5 closest of 7 active listings nearby.
See all comparable homesThis home lists 10% above the area average of $1,068/sqft.
49 days longer than the Toronto average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Banbury-Don Mills, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Car-DependentA 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.
Almost all errands require a car — groceries and transit are a drive away.
🚉 Nearest transit: Chipstead Road, about 314 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 21, 2026); conventional rates run a little higher.
Mortgage amount $3,992,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $21,303
- Property tax
- $1,887
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $23,189
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $111,225
- Toronto municipal land transfer tax
- $141,025
- Estimated closing costs
- $252,250
Plus your down payment of $998,000. 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
- $1,278,168
- Principal paid down
- $508,382
- Interest paid
- $769,785
- Balance remaining
- $3,483,618
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 HC REALTY GROUP INC.. MLS®/PropTx.