123 robert Street, Toronto, ON
University, Toronto · MLS® C13468676
About this home
Attention Builders, Renovators, Savvy Investors & End Users! Rare opportunity to create something truly special in the heart of Harbord Village, one of Toronto's most sought-after neighbourhoods. This solid Detached 2-storey 4- bedroom Circa 1890 Victorian home offers endless possibilities - renovate, redesign, restore, or create an incredible investment opportunity in an unbeatable location. Featuring a rare detached double-car garage on a fully fenced private extra deep 22x172 foot lot!! with exceptional laneway access, this property has potential for a custom 2-storey laneway home creating incredible flexibility for multi-generational living, rental income, guest accommodations or future resale value. The existing home offers generous proportions across 2 storeys with endless design possibilities. Soaring approx 11 ft ceilings, tall windows, nice original trim,basboards and moulding. Turn the Huge kitchen into a chef inspired masterpiece.Mainfloor Family room or can be used as office or den with a walkout to yard. The basement features a separate entrance to the backyard and existing kitchen creating excellent potential for a separate income suite, in-law suite or multi-generational living arrangement. Build to sell, build to hold, renovate and customize, or create a one-of-a-kind urban compound. This location is truly exceptional. Steps to College Street's vibrant cafes, restaurants, boutiques and everyday conveniences. Enjoy incredible walkability with easy access to parks, excellent schools , UofT, TTC, transit connections, Kensington Market, Little Italy, Trinity Bellwoods and downtown Toronto. A rare opportunity, where location, lot functionality and future potential come together.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13468676
- Bedrooms
- 4
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 22 × 172.75 ft
- Cross streets
- spadina/ harbord/college
- Parking
- 2 garage (detached)
- Driveway
- Lane
- Basement
- Separate Entrance, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Aluminum Siding
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $9,773 / 2025
- Days on market
- 28
- Listing brokerage
- HOMELIFE/TREASURE REALTY LTD.
Rooms
hardwood floor · bay window · french doors
moulded ceiling · broadloom
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairThe assigned public school is King Edward Junior and Senior 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. Harbord St at Spadina Ave is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Garden / laneway suite potential: extra-unit upside, but confirm zoning and feasibility with the city.
- Income potential
- Value driver
- Worth verifying
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 6 active listings nearby.
See all comparable homes27 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
University, 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: Harbord St at Spadina Ave, about 105 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 $1,479,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,897
- Property tax
- $814
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,712
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $33,473
- Toronto municipal land transfer tax
- $33,473
- Estimated closing costs
- $66,946
Plus your down payment of $369,980. 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
- $473,844
- Principal paid down
- $188,468
- Interest paid
- $285,376
- Balance remaining
- $1,291,452
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 HOMELIFE/TREASURE REALTY LTD.. MLS®/PropTx.