PH16-3800 Yonge Street, Toronto, ON

Bedford Park-Nortown, Toronto · MLS® C13557506

$3,699,000
For Sale
Listed 4 days ago
Request a showing
◎ Directions
4Bedrooms
5Bathrooms
2Garage
3750-3999Sq Ft

About this home

Welcome to Penthouse 16 at Governors Hill, one of Toronto's most prestigious luxury residences. Offering an extraordinary 6,375 square feet of refined living, this one-of-a-kind penthouse combines a beautifully appointed 3,755-square-foot interior with an unparalleled 2,500-square-foot private terrace overlooking a spectacular ravine with south & west exposures. Ravine views from every room. With floor-to-ceiling windows & multiple skylights, the interior is immersed in natural light. The principal spaces flow effortlessly from the expansive living room to a dramatic glass-enclosed dining room & a chef's kitchen appointed with custom millwork, 48" Sub-Zero Fridge, Miele dishwasher, a Jenn-Air cooktop, breakfast area, & a dumbwaiter to the terrace. A warm & inviting family room, complete with a fireplace & custom wet bar, offers the perfect setting for intimate gatherings. Upstairs, a remarkable flex space with a 3pc ensuite presents endless possibilities as a media lounge, executive office, fitness studio, or guest suite. The primary suite is a private sanctuary, opening directly onto the main floor terrace, featuring a dressing room & a spa-inspired 8-piece ensuite with a jetted soaker tub & private sauna. All 3 bedrooms have ensuite washrooms, generous proportions, exceptional storage, & ravine views.The approximately 2,500 sqft spectacular terrace is unlike anything else in the city, a private, very quiet, outdoor oasis surrounded by mature trees & lush landscaped gardens, complete with multiple entertaining & dining areas, full irrigation, & service elevator access. Life at Governors Hill is defined by impeccable service & exceptional amenities. Residents enjoy a 24-hr gated entrance & concierge. Resort-like amenities inc. a saltwater indoor pool, squash courts, indoor pickleball court, gym, fitness facilities, several guest suites, library, large party room with kitchen, elegant entertaining spaces, beautifully maintained grounds, billiard room & guest parking.

Key facts

Property type
Condo Apartment, 2-Storey
MLS®
C13557506
Bedrooms
4 (3 + 1)
Bathrooms
5 (1 half)
Size
3750-3999
Cross streets
Yonge and York Mills
Parking
2 garage (underground)
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Maintenance
$5,178/mo
Exposure
South West
Property tax
$17,412 / 2025
Days on market
4
Listing brokerage
HARVEY KALLES REAL ESTATE LTD.
Moe’s TakeTeam Asgarian · Broker
Above the wider set
$2.84Mest. value

Listed at $3,699,000, this home is tracking about 30% 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 18 similar homes nearby, adjusted for size, beds, and baths.Median of 18 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $3.86M, 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 $2.43M
  • Size difference +$1.39M
  • Bedrooms +$60K
  • Bathrooms +$30K
  • Adjusts to $3.91M

That comparable adjusts to $3.91M; the $2.84M estimate above is the median of all 18 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.

Its public catchment (Lawrence Park Collegiate Institute) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.

On location, this is a very walkable address with everyday errands close by. 3800 Yonge St is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.

List price
$2.72MGreat deal$3.70MOverpriced

Total price vs nearby homes. Fair value about $2.84M, median of 18 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.

  • Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits.
  • Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
  • Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
  • Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
  • Elevator: rare and valuable for accessibility and resale.
  • Worth verifying
  • Value driver
  • Weigh carefully
  • Lifestyle
Live market pulseActive comparables in Bedford Park-Nortown · median list $800K
$955this home / sqft
19active listings nearby
4days on market

This home lists 12% above the area average of $856/sqft.

On the market now.

View comparable listings
This home
Below area avgAbove area avg

Price per square foot vs the area average.

Neighbourhood & location

Bedford Park-Nortown, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Getting around

76/ 100

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: 3800 Yonge St, about 61 m away

20+ transit stops4 grocery20+ dining12 parks11 pharmacies

Within a 15-minute (1.5 km) walk.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Willowdale East
$441K
Willowdale West
$770K
Banbury-Don Mills
$500K
Annex
$1.57M
Church-Yonge Corridor
$577K

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near Armour Heights Public School
70%
Armour Heights Public SchoolPublic · Elementary · 1.1 km awayAround the GTA average · 70% meet the provincial standard

Affordability & Mortgage

Affordability
$16,859/mo
$787KIncome needed
4.7×Price ÷ income
$3,890Weekly cost
20% down4.79%25-yr amortization

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.

72%mortgage
Mortgage $16,859Property tax $1,451Condo fee $5,178Total carry $23,488

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

$
20.0%
$
%

Homes over $1.5M can't be insured, so 20% down or more is required.

4.14%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$15,791per month

Mortgage amount $2,959,200 · 4.14% over 25 years

$739,800Down payment (20.0%)
$2,959,200Loan before insurance
$0CMHC premium
$22,420Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$15,791
Property tax
$1,451
Condo / maintenance fees
$5,178
Heating
$0
Estimated monthly cost
$22,420

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$78,950
Toronto municipal land transfer tax
$85,940
Estimated closing costs
$164,890

Plus your down payment of $739,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.14%Qualifying rate
$19,180/monthPayment at the qualifying rate

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

$1,778,217Total interest paid
$4,737,417Total of all payments
Principal $2,959,200 Interest $1,778,217
YearPrincipalInterestBalance
1$69,324$120,173$2,889,876
2$72,224$117,273$2,817,653
3$75,245$114,252$2,742,408
4$78,392$111,105$2,664,016
5$81,671$107,826$2,582,345
6$85,087$104,410$2,497,258
7$88,646$100,850$2,408,612
8$92,354$97,143$2,316,258
9$96,217$93,280$2,220,041
10$100,242$89,255$2,119,799
11$104,435$85,062$2,015,364
12$108,803$80,694$1,906,561
13$113,354$76,143$1,793,207
14$118,096$71,401$1,675,111
15$123,035$66,461$1,552,076
16$128,182$61,315$1,423,894
17$133,543$55,953$1,290,351
18$139,129$50,367$1,151,222
19$144,949$44,548$1,006,273
20$151,012$38,485$855,261
21$157,328$32,168$697,933
22$163,909$25,587$534,023
23$170,765$18,731$363,258
24$177,908$11,588$185,350
25$185,350$4,147$0

At the end of your 5-year term

Total paid over the term
$947,483
Principal paid down
$376,855
Interest paid
$570,629
Balance remaining
$2,582,345

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.

Let's connect

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

Rental yield
Estimate$12,750/mo
$153,000Gross annual rent
1.5%Est. cap rate

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

4.1%
Gross yield
− Property tax $17,412− Condo fees $62,133− Insurance $600− Vacancy & upkeep $16,830Net operating income $56,025

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of HARVEY KALLES REAL ESTATE LTD.. MLS®/PropTx.

CallRequest a showing