3-7 Warwick Avenue, Toronto, ON
Humewood-Cedarvale, Toronto · MLS® C13517828
About this home
Less upkeep. More intention. A home that reflects how you actually want to live now. Located in a boutique fourplex on a quiet, tree-lined street in Cedarvale, this second-floor suite offers approximately 1,200 sq ft of well-planned living space-larger than most options at this price point, without the demands of a full house. The layout is functional and easy to live in, with defined principal rooms that allow for both everyday comfort and hosting. A dedicated dining room sits alongside the eat-in kitchen, where a large breakfast bar creates a natural gathering point. The kitchen is equipped with granite countertops, a gas stove, a stainless steel refrigerator, a built-in dishwasher, and a full pantry. Two well-sized bedrooms and a large den provide flexibility for guests, a home office, or additional living space. Hardwood floors run throughout, and the second-floor position brings in excellent natural light and an open outlook. Storage is thoughtfully integrated, with multiple large closets, built-in organizers, and a private basement locker. Laundry is conveniently located downstairs, accessed directly from the kitchen via a back stair. Additional features include a ductless A/C unit and two parking spaces-one in the garage and one on the surface. A convenient exit to the garage further simplifies day-to-day routines. Monthly maintenance fees include all utilities and property taxes, offering clarity and predictability in your monthly expenses.
Key facts
- Property type
- Condo Apartment, 2-Storey
- MLS®
- C13517828
- Bedrooms
- 2
- Bathrooms
- 1
- Size
- 1200-1399
- Cross streets
- Eglinton & Bathurst
- Parking
- 1 garage · 2 parking (built-in)
- Basement
- Separate Entrance
- Heating
- Radiant
- A/C
- Wall Unit(s)
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Unknown
- Maintenance
- $750/mo
- Exposure
- North West
- Property tax
- $3,200 / 2025
- Days on market
- 19
- Listing brokerage
- BSPOKE REALTY INC.
Rooms
hardwood floor · closet · window
hardwood floor · double closet · window
hardwood floor · double closet · window
hardwood floor · large window · crown moulding
hardwood floor · large window · crown moulding
ceramic floor · granite counters · backsplash
Listed at $585,000, this home is about 35% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
In Humewood-Cedarvale lately, sellers have been getting about 96% of asking and homes sell in about 41 days.
There were not many closely comparable homes right in Humewood-Cedarvale, so I widened the search to the surrounding area.
Based on 33 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 33 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $593K, lower 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, sold for $810K
- Bedrooms −$24K
- Adjusts to $786K
That comparable adjusts to $786K; the $897K estimate above is the median of all 33 comparables, which is steadier than any single home.This estimate is grounded in actual closing prices from the last 15 months, not asking prices. Lot, condition, and finishes are still my in-person call.
On schools, this address is zoned for Cedarvale Community School, 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.
Total price vs nearby homes. Fair value about $897K, median of 33 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.
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homes18 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Humewood-Cedarvale, 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.
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 22, 2026); conventional rates run a little higher.
Mortgage amount $468,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,497
- Property tax
- $267
- Condo / maintenance fees
- $750
- Heating
- $0
- Estimated monthly cost
- $3,514
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $8,175
- Toronto municipal land transfer tax
- $8,175
- Estimated closing costs
- $16,350
Plus your down payment of $117,000. 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
- $149,845
- Principal paid down
- $59,600
- Interest paid
- $90,245
- Balance remaining
- $408,400
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 BSPOKE REALTY INC.. MLS®/PropTx.