20 Mossgrove Trail, Toronto, ON
St. Andrew-Windfields, Toronto · MLS® C13570564
About this home
In short
- Beautifully maintained home nestled on a quiet, family-friendly street in one of Toronto's most desirable neighbourhoods.
- Step outside to a private backyard perfect for relaxing, gardening, or hosting summer gatherings.
- Conveniently located close to top-rated schools, parks, walking trails, shopping, restaurants, transit, and major highways.
Beautifully maintained home nestled on a quiet, family-friendly street in one of Toronto's most desirable neighbourhoods. Bright, functional layout with spacious principal rooms, abundant natural light, and thoughtful updates throughout. The well-appointed kitchen flows seamlessly into the dining and living areas, creating an ideal space for everyday living and entertaining. Generous-sized bedrooms provide comfort and flexibility for growing families, professionals, or guests. Step outside to a private backyard perfect for relaxing, gardening, or hosting summer gatherings. Conveniently located close to top-rated schools, parks, walking trails, shopping, restaurants, transit, and major highways.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13570564
- Bedrooms
- 4
- Bathrooms
- 4 (2 half)
- Size
- 2500-3000 sq ft
- Lot
- 55 × 120 ft
- Cross streets
- York Mills Rd/ Leslie St
- Parking
- 2 garage · 4 parking (attached)
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $11,763 / 2026
- Days on market
- 54
- Listing brokerage
- JDL REALTY INC.
Rooms
hardwood floor · picture window
b/i bar · laminate
hardwood floor · closet · window
4 pc ensuite · his and hers closets · hardwood floor
Hardwood Floor
eat-in kitchen · w/o to garden
hardwood floor · closet · window
hardwood floor · closet · window
Listed at $2,199,000 with no offer date, so the ask is the seller’s number, and homes priced this way sell close to it. My read is $2.15M, typically $1.77M to $2.28M. Comparable closings on their own put this home around $2.05M, which agrees with the ask, so this is a firm read.
Second read, from the city assessment: $2.00M. Similar homes sold in line with their assessments, and this one lands close to the comparable-sales figure, which is what a firm read looks like.
One thing to square: the homes for sale nearby are asking more than this one. My estimate is built on recent closings, and around here sellers have been asking more than buyers end up paying. So this can be the least expensive home on the street and still be priced ahead of where sales actually land.
Total price vs nearby homes. Fair value about $2.15M, median of 38 comparables.
The market behind the math:
About 2.9 months of inventory: 22 detached homes for sale in the area against 23 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $800/sqft against an area asking average of $1,054/sqft. Size and $/sqft both feed the estimate above.
How this estimate is builtthe short version
I take the 38 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, lot frontage, a ravine backing, an inground pool), then use the median, which is steadier than leaning on any single sale.
It’s grounded in recent closing prices, not asking prices. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $2.00M, a close match.
What the listing highlights2 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
Schools & getting aroundcatchment and transit
Its public catchment (York Mills Collegiate Institute) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
Read this with carewhy it’s an estimate, not an appraisal
There were not many closely comparable homes right in St. Andrew-Windfields, so I widened the search to the surrounding area.
Based on 38 comparable homes that sold in St. Andrew-Windfields over the past two years, from 169 closings there.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $2.05M, which is where my estimate comes from.
Per square foot, these ask about $1,021/sqft; this home lists at $800/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesNeighbourhood & location
St. Andrew-Windfields, 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.
Also nearby: 10 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.09% via Ratehub.ca (as of September 8, 2026); conventional rates run a little higher.
Mortgage amount $1,759,200 · 4.24% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $9,484
- Property tax
- $980
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $10,464
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $41,450
- Toronto municipal land transfer tax
- $41,450
- Estimated closing costs
- $82,900
Plus your down payment of $439,800. 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
- $569,043
- Principal paid down
- $221,409
- Interest paid
- $347,634
- Balance remaining
- $1,537,791
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 numbersThe last 29 whole-home leases in St. Andrew-Windfields signed at a median of $5,018 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $5,125. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of JDL REALTY INC.. MLS®/PropTx.