3 Vernham Court, Toronto, ON
St. Andrew-Windfields, Toronto · MLS® C13434592
About this home
In short
- Dramatic Curb Appeal - Rich In Architecture, Finest In Luxurious Appointments And Landscaping.
- Of Refined Living Space And A Private Garden Sanctuary.
- A Truly Spectacular Offering, The Property Showcases A Circular Drive, Lush Landscaped Grounds, Tranquil Water Features, And Impeccable Attention To Detail Throughout.
- This Elegant 5+1 Bedroom Home Features Hardwood Floors, Custom Mouldings And Wainscoting, Soaring Ceilings, Richly Appointed Principal Rooms, Abundant Natural Light...
- Ideally Located With Easy Access To Highways 401 And 404, And Just Steps To Renowned Public And Private Schools, Public And Private Golf Course.
Dramatic Curb Appeal - Rich In Architecture, Finest In Luxurious Appointments And Landscaping. Custom Residence - By And For Its Designer Owners. Premium Corner Locale On Quiet Cul-De-Sac In Prestigious St. Andrew-Windfields, This Exceptional Residence Offers Over 6,356 Sq. Ft. Of Refined Living Space And A Private Garden Sanctuary. A Truly Spectacular Offering, The Property Showcases A Circular Drive, Lush Landscaped Grounds, Tranquil Water Features, And Impeccable Attention To Detail Throughout. This Elegant 5+1 Bedroom Home Features Hardwood Floors, Custom Mouldings And Wainscoting, Soaring Ceilings, Richly Appointed Principal Rooms, Abundant Natural Light, And Bespoke Finishes At Every Turn. Designed For Both Grand Entertaining And Everyday Living, The Gourmet Kitchen Is Equipped With Top-Of-The-Line Appliances And A Spacious Breakfast Area With Walkout To The Rear Garden Terrace. A Grand Foyer, Main Hall With Wet Bar, And Elegant Living And Dining Rooms Provide The Perfect Setting For Formal Gatherings. The Luxurious Primary Retreat Features A Private Sitting Room, Dressing Room, Walk-In Closet, And Spa-Inspired 9-Piece Ensuite. Four Additional Bedroom Suites And A Convenient Second-Floor Laundry Complete The Upper Level. The Expansive Lower Level Offers Exceptional Additional Living Space, Including An Exercise Room With Ensuite, An Open-Concept Recreation And Games Room With Wet Bar, And A Private Nanny Suite. Ideally Located With Easy Access To Highways 401 And 404, And Just Steps To Renowned Public And Private Schools, Public And Private Golf Course. Highly Rated Public And Private Schools. Upscale Shopping, Fine Dining, And Everyday Conveniences.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13434592
- Bedrooms
- 5+1 (6 total)
- Bathrooms
- 7 (1 half)
- Size
- 5,000 sq ft
- Lot
- 75 × 150 ft
- Cross streets
- York Mills Rd/Bayview Ave
- Parking
- 2 garage · 11 parking (built-in)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $27,230 / 2026
- Days on market
- 92
- Listing brokerage
- RE/MAX REALTRON BARRY COHEN HOMES INC.
Rooms
mirrored walls · 3 pc ensuite · sauna
double closet · above grade window · 3 pc ensuite
w/o to terrace · stone floor · overlooks family
walk-in closet(s) · b/i desk · semi ensuite
fireplace · b/i bookcase · w/o to terrace
overlooks garden · hardwood floor · b/i shelves
b/i desk · 3 pc ensuite · hardwood floor
stone floor · centre island · granite counters
b/i bookcase · hardwood floor · overlooks frontyard
4 pc ensuite · hardwood floor · walk-in closet(s)
hardwood floor · crown moulding · overlooks frontyard
7 pc ensuite · combined w/sitting · walk-in closet(s)
double closet · semi ensuite · overlooks backyard
broadloom · open concept · above grade window
slate flooring · double closet · wainscoting
Listed at $4,950,000 with no offer date, so the ask is the seller’s number, and homes priced this way sell close to it. My read is $4.67M, typically $3.85M to $5.43M. Comparable closings on their own put this home around $4.01M, so the ask carries a premium over the comparables: the seller is pricing in the finishes, the lot, or room to negotiate. That gap is your negotiating room.
A price cut is the likelier next move. 92 days on the market against about 46 for homes like it here, and asking 6% above where comparable closings put it. That is leverage for a buyer: offer with it in mind rather than waiting for the cut, since a reduction brings new eyes with it.
Second read, from the city assessment: $4.70M. That is about 17% above the comparable-sales figure. When my two methods disagree this much, the answer usually sits between them and something about this home is not in the comparables (the lot, the condition, a rebuild). I would want to see it before leaning on either number.
Total price vs nearby homes. Fair value about $4.67M, median of 60 comparables.
The market behind the math:
About 3.7 months of inventory: 28 detached homes for sale in the area against 23 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $990/sqft against an area asking average of $1,184/sqft. Size and $/sqft both feed the estimate above.
How this estimate is builtthe short version
I take the 60 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, lot frontage, a ravine backing, an inground pool), then use the median, which is steadier than leaning on any single sale.
It’s grounded in recent closing prices, not asking prices. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $4.70M, a close match.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Open-concept layout: modern, sought-after flow. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Schools & getting aroundcatchment and transit
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.
Based on 60 comparable homes that sold in St. Andrew-Windfields over the past two years, from 170 closings there.
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For saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $1,110/sqft; this home lists at $990/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
St. Andrew-Windfields, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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.
Also nearby: 12 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.09% via Ratehub.ca (as of September 11, 2026); conventional rates run a little higher.
Mortgage amount $3,960,000 · 4.24% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $21,349
- Property tax
- $2,269
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $23,618
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $110,225
- Toronto municipal land transfer tax
- $139,225
- Estimated closing costs
- $249,450
Plus your down payment of $990,000. 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
- $1,280,928
- Principal paid down
- $498,397
- Interest paid
- $782,532
- Balance remaining
- $3,461,603
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 numbersThe last 30 whole-home leases in St. Andrew-Windfields signed at a median of $7,041 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $7,850. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX REALTRON BARRY COHEN HOMES INC.. MLS®/PropTx.