Basement-180 Cottingham Street, Toronto, ON
Casa Loma, Toronto · MLS® C13519108
About this home
Spacious, bright, Studio Basement Apartment in the prestigious South Hill and Rathnelly neighbourhood at 180 Cottingham Street just steps to Yorkville's cafes and Whole Foods grocery shopping. This inviting well-designed unit has a private separate entrance and functional open-concept layout for the main living area, complimented by a separate kitchen that has ample cabinetry and work space with brand-new appliances, including a full stove with ceramic top and dishwasher. There is a 3-piece bathroom and plenty of closets in the main living space and there is also a large walk-in California closet and a large separate storage room. The unit contains its own laundry facility with high-end brand new washer and dryer. All the floors are clean ceramic tiles and the windows have wooden shutters and all open for fresh air. This unit is close to both the Museum and Summerhill Subway stations and is within walking distance of the University of Toronto. This unit is especially suited for University Students, or a professional single tenant or couple. A Street Parking Permit is easily available on this wide quiet residential street. The unit is being offered with all utilities included and use of a large backyard.
Key facts
- Property type
- Semi-Detached, 3-Storey
- MLS®
- C13519108
- Bathrooms
- 1
- Size
- 2500-3000
- Lot
- 25 × 140 ft
- Cross streets
- Avenue Rd & St. Clair
- Parking
- 1 parking
- Driveway
- Street Only
- Basement
- Finished with Walk-Out, Apartment
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Brick
- Roof
- Slate
- Sewer
- Sewer
- Days on market
- 19
- Listing brokerage
- RE/MAX MILLENNIUM REAL ESTATE
Rooms
ceramic floor · walk-in closet(s) · walk-up
ceramic floor · window · closet
ceramic floor · window · overlooks dining
ceramic floor · double closet · window
ceramic floor · separate room · combined w/laundry
Heads up: the asking price here sits well below what comparable listings suggest. In this market that usually means it is priced to draw multiple offers, so plan for competition and a final number above asking. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent leases and give you a straight answer on what it will really take.
Ask Moe if this price is fairIts public catchment (Brown Junior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
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. Income potential
- Open-concept layout: modern, sought-after flow. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
- Currently tenanted: confirm the lease terms and vacant-possession timing before closing. Worth verifying
14 days longer than the Toronto average (5 days).
View comparable listingsNot enough sq ft data to place this home on the area price curve.
Neighbourhood & location
Casa Loma, Toronto, ON
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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 23, 2026); conventional rates run a little higher.
Mortgage amount $1,360 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7
- Property tax
- $1
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9
- Toronto municipal land transfer tax
- $9
- Estimated closing costs
- $17
Plus your down payment of $340. 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
- $435
- Principal paid down
- $173
- Interest paid
- $262
- Balance remaining
- $1,187
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.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX MILLENNIUM REAL ESTATE. MLS®/PropTx.