39 Churchill Avenue, Toronto, ON
Willowdale West, Toronto · MLS® C13581218
About this home
In short
- Visit the REALTOR website for further information about this Listing.
- Potential for redevelopment.
- Bright, open concept, 3+1 bedroom detached home, with a separate self contained walk out 1 bedroom basement apartment.
- Conveniently Located Close To All Amenities Including Shopping, Schools, Restaurants, Parks, And Theaters.
- Just 5 Minutes To Either North York Centre Or Finch Subway Station, Offering Easy Access To Transit And Downtown Toronto.
Visit the REALTOR website for further information about this Listing. Potential for redevelopment. Bright, open concept, 3+1 bedroom detached home, with a separate self contained walk out 1 bedroom basement apartment. Excellent Backyard Backing Onto a park, In A Quiet And Family-Friendly Neighborhood. Conveniently Located Close To All Amenities Including Shopping, Schools, Restaurants, Parks, And Theaters. Just 5 Minutes To Either North York Centre Or Finch Subway Station, Offering Easy Access To Transit And Downtown Toronto. Includes 2 Fridges, 2 Stoves, Dishwasher, Washer & Dryer.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- C13581218
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 2
- Size
- 1100-1500 sq ft
- Lot
- 41.25 × 127.56 ft
- Cross streets
- Yonge St & Churchill Ave
- Parking
- 4 parking
- Driveway
- Private
- Basement
- Apartment, Walk-Out
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- None
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,266 / 2026
- Days on market
- 73
- Listing brokerage
- EASY LIST REALTY LTD.
Rooms
Listed at $1,399,000. Going by how homes in Willowdale West and the wider GTA have actually closed against their asking prices (about 96%, 18 local closings in 90 days), the likely sale price is near $1.35M, if it sells. A realistic range is $1.26M to $1.52M.
Independent value check: $1.13M. Without looking at the asking price, our model values the home itself about 19% below the ask (homes like it typically land between $1.06M and $1.18M).
Why $1.13M. The typical detached home sold in Willowdale West over the past year went for about $1.46M (74 sales). What sets this one apart:
- ▼ Lowers it stronglyIts tax bill, which follows the city's own assessment, is $7,266 a year; the typical home sold here pays about $8,300.
- ▼ Lowers itIt is 1,100 to 1,500 sq ft; the typical home sold here is 1,500 to 2,000.
- ▼ Lowers it slightly3+1 bedrooms and 2 baths, against 3.5+1 and 3 typically.
Longer on the market than typical. 73 days on the market against about 39 for homes like it here, and asking 24% above where comparable closings put it.
Total price vs nearby homes. Likely closing about $1.35M, from 18 recent closings in this pocket.
The market behind the math:
About 5.2 months of inventory: 31 detached homes for sale in the area against 18 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $1,076/sqft against an area asking average of $914/sqft.
- Walk-out basement apartment features. A finished 1 bed walk-out basement apartment with a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Willowdale West: 27 of the 155 detached leases here lately were basement units, around $1,850 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Toronto.
- Park / green-space backing. The listing says this home backs onto or abuts a park or green space. That privacy is priced into the comparison. What is actually behind the fence, and how the lot sits against it, is my in-person call.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 18 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.25M. Condition and finishes remain an in-person call.
What the listing highlights3 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Open-concept layout: modern, sought-after flow. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
- Development potential: upside only if zoning permits, verify with the city before relying on it. Worth verifying
Schools & getting aroundcatchment and transit
Its public catchment (Willowdale Middle School) 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 Willowdale West, so I widened the search to the surrounding area.
Based on 18 comparable homes that sold in Willowdale West over the past two years, from 127 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 $1.13M, which is where my estimate comes from.
Per square foot, these ask about $851/sqft; this home lists at $1,076/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Willowdale West, 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: 12 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
Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of September 30, 2026); conventional rates run a little higher.
Mortgage amount $1,119,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,188
- Property tax
- $606
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,794
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $24,455
- Toronto municipal land transfer tax
- $24,455
- Estimated closing costs
- $48,910
Plus your down payment of $279,800. 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
- $371,295
- Principal paid down
- $136,746
- Interest paid
- $234,549
- Balance remaining
- $982,454
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
The suite is real income here: basements rent in Willowdale West (27 of 155 recent detached leases were basement units, around $1,850 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,850 a month on top of the upper floors. Permitted use is worth confirming with the city.
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 34 whole-home leases in Willowdale West signed at a median of $3,731 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,657. 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 EASY LIST REALTY LTD.. MLS®/PropTx.