77 St Germain Avenue, Toronto, ON
Lawrence Park North, Toronto · MLS® C13547390
About this home
Located on a beautiful tree-lined street in the heart of Yonge and Lawrence, this charming and well-maintained home sits on one of the most desirable blocks of St. Germain Avenue in a prestigious, family-friendly neighborhood. Full of warmth and character, it features 3 bedrooms and 2 full bathrooms, offering comfortable family living today while also presenting an outstanding opportunity for the future. The kitchen is equipped with granite countertops and built-in appliances, and the private, south-facing backyard is a true oasis, perfect for relaxing or entertaining. With exceptional potential to renovate, expand, or build your dream home on a coveted lot surrounded by luxury custom residences, this premium property appeals to builders, investors, and end users alike. Ideally located just minutes from Yonge Street, public transit, top-rated schools, parks, shopping, dining, and the renowned Rosedale Golf Club, this is a rare opportunity to secure a prime property in one of Toronto's most sought-after neighborhoods.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13547390
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 25 × 150 ft
- Cross streets
- Yonge and Lawrence
- Parking
- 1 parking
- Driveway
- Mutual, Front Yard Parking
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $9,054 / 2026
- Days on market
- 7
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
hardwood floor · french doors
B/I Appliances
hardwood floor · walk-in closet(s) · 4 pc bath
Hardwood Floor
laminate · 3 pc bath
hardwood floor · fireplace · window
hardwood floor · closet
Listed at $1,750,000, this home is about 4% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Based on 5 similar homes nearby, adjusted for size, beds, and baths.Median of 5 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.70M, a close match.
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 $1.69M
- Adjusts to $1.69M
That comparable adjusts to $1.69M; the $1.69M estimate above is the median of all 5 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.
On schools, this address is zoned for Lawrence Park 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.
On location, this is a very walkable address with everyday errands close by. Yonge St at Fairlawn Ave 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 $1.69M, median of 5 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Development potential: upside only if zoning permits, verify with the city before relying on it.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Value driver
- Worth verifying
- Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 10% above the area average of $1,227/sqft.
6 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Lawrence Park North, 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: Yonge St at Fairlawn Ave, about 191 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 $1,400,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,471
- Property tax
- $755
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,225
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $31,475
- Toronto municipal land transfer tax
- $31,475
- Estimated closing costs
- $62,950
Plus your down payment of $350,000. 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
- $448,255
- Principal paid down
- $178,290
- Interest paid
- $269,965
- Balance remaining
- $1,221,710
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 RIGHT AT HOME REALTY. MLS®/PropTx.