9-41 Spruce Street, Toronto, ON
Cabbagetown-South St. James Town, Toronto · MLS® C13461782
About this home
Tucked within a quiet enclave in the heart of Cabbagetown, this exceptional 2+2 bedroom, 3 bathroom condo townhouse offers nearly 1,900 sq. ft. of finished above-grade living space and terrific value within the complex. Moreover, what truly sets this home apart are three additional private outdoor living spaces, including a professionally landscaped irrigated garden terrace, convenient balcony off the kitchen to make BBQing a breeze, and a sun-drenched private rooftop deck for sunbathing and gardening, all of which provide seamless indoor-outdoor living and multiple spaces to relax or entertain. A rare king-sized primary bedroom and ensuite bathroom overlook the tranquil and private courtyard, while the second bedroom and grand, spa-like bathroom with separate shower and deep soaker tub enjoy quiet views of the back terrace. Warm and inviting interiors are flooded with natural light and feature a wood-burning fireplace, updated kitchen and bathrooms, fresh paint throughout, and a flexible family room or additional third bedroom. Complete with a rare private single-car garage off of the bricked courtyard of Trinity Mews plus plenty of storage within the unit, this unique offering combines the comfort and space of a house with the ease and flexibility of townhouse living in one of Toronto's most charming neighbourhoods. Bigger than it looks and meticulously maintained, this is the kind of townhouse that exceeds expectations at every turn and must be experienced in person. Do not miss this rare opportunity!
Key facts
- Property type
- Condo Townhouse, Multi-Level
- MLS®
- C13461782
- Bedrooms
- 4 (2 + 2)
- Bathrooms
- 3 (1 half)
- Size
- 1800-1999
- Cross streets
- Sackville & Carlton
- Parking
- 1 garage (built-in)
- Basement
- Crawl Space
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Maintenance
- $880/mo
- Exposure
- North South
- Property tax
- $6,093 / 2025
- Days on market
- 29
- Listing brokerage
- CHESTNUT PARK REAL ESTATE LIMITED
Rooms
hardwood floor · w/o to balcony
hardwood floor · fireplace
w/o to deck · ns view · broadloom
w/o to patio · double closet · broadloom
closet · south view · broadloom
double closet · 3 pc ensuite · broadloom
stainless steel appl · breakfast bar · w/o to balcony
Listed at $1,299,000, this home is tracking about 23% above a wider set of listings, though close matches were thin, so treat this as a rough read until I run a precise CMA. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 63 similar homes nearby, adjusted for size, beds, and baths.Median of 63 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.42M, 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 $1.20M
- Bedrooms +$30K
- Adjusts to $1.23M
That comparable adjusts to $1.23M; the $1.06M estimate above is the median of all 63 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.
The assigned public school is Sprucecourt Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
On location, this is a very walkable address with everyday errands close by. Sackville St 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 $1.06M, median of 63 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.
- Primary suite: a key comfort and resale feature.
- Lifestyle
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 22% above the area average of $561/sqft.
25 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Cabbagetown-South St. James Town, 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: Sackville St, about 147 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 $1,039,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,546
- Property tax
- $508
- Condo / maintenance fees
- $880
- Heating
- $0
- Estimated monthly cost
- $6,933
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $22,455
- Toronto municipal land transfer tax
- $22,455
- Estimated closing costs
- $44,910
Plus your down payment of $259,800. 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
- $332,733
- Principal paid down
- $132,342
- Interest paid
- $200,391
- Balance remaining
- $906,858
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.