113 Cottingham Street, Toronto, ON
Yonge-St. Clair, Toronto · MLS® C13592300
About this home
Welcome to Summerhill! This beloved family home exemplifies everything Summerhill has to offer. 4+1 bedrooms, finished basement with walkout, across the street from top ranked Cottingham Public School and direct private access to coveted Cottingham Tennis Club. Bright spaces for family meals, play areas, and a library perfect for homework or a home office. With plenty of room to spread out, this home has been designed to accommodate the busiest of family schedules with ease and comfort, all within minutes of bustling Yonge Street in Rosedale.
Key facts
- Property type
- Semi-Detached, 2 1/2 Storey
- MLS®
- C13592300
- Bedrooms
- 5 (4 + 1)
- Bathrooms
- 4 (2 half)
- Size
- 2000-2500
- Lot
- 18.17 × 100 ft
- Cross streets
- Avenue Road and Dupont
- Parking
- 1 parking
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $9,606 / 2025
- Days on market
- 1
- Listing brokerage
- CHESTNUT PARK REAL ESTATE LIMITED
Rooms
skylight · combined w/kitchen · sliding doors
hardwood floor · overlooks park
walk-in closet(s) · bay window · hardwood floor
stainless steel appl · hardwood floor
vaulted ceiling(s) · closet · hardwood floor
walk-out · pot lights · broadloom
laminate · pot lights
open concept · hardwood floor
heated floor · 2 pc bath · quartz counter
closet · juliette balcony · hardwood floor
open concept · hardwood floor · b/i shelves
fireplace · open concept · hardwood floor
Listed at $2,598,000, this home is tracking about 18% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
In Yonge-St. Clair lately, sellers have been getting about 101% of asking and homes sell in about 19 days.
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.
This home has a walk-out basement — extra light, usable space, and income potential that comparable-sales math tends to under-price. Read this estimate as a conservative floor for it; I can pull walk-out comparables to pin the number.
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 $2.26M, lower 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 $2.69M
- Bedrooms +$90K
- Bathrooms −$30K
- Adjusts to $2.75M
That comparable adjusts to $2.75M; the $3.17M 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.
Its public catchment (Cottingham Junior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
Total price vs nearby homes. Fair value about $3.17M, 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 11% below the area average of $1,297/sqft.
4 days faster than the Toronto average (5 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Yonge-St. Clair, 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.
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 23, 2026); conventional rates run a little higher.
Mortgage amount $2,078,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $11,091
- Property tax
- $801
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $11,892
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $51,425
- Toronto municipal land transfer tax
- $51,425
- Estimated closing costs
- $102,850
Plus your down payment of $519,600. 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
- $665,467
- Principal paid down
- $264,685
- Interest paid
- $400,782
- Balance remaining
- $1,813,715
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 CHESTNUT PARK REAL ESTATE LIMITED. MLS®/PropTx.