28 Carnwath Crescent, Toronto, ON
St. Andrew-Windfields, Toronto · MLS® C13734748
About this home
In short
- Nestled On Coveted Carnwath Crescent In Prestigious St.
- Andrews-Windfields, Custom Home Delivers 4,001 Sq.
- Hwd T/Out.9'/10'/9' Ceilgs 3Fps.
- Custom Chef's Gourmet Kitchen W/Natual Stone Island.
- Close To Shops, Renowned Schools, Steps To Owen Ps; Minutes To York Mills CI (IB), TFS & Crescent School.
Nestled On Coveted Carnwath Crescent In Prestigious St. Andrews-Windfields, Custom Home Delivers 4,001 Sq.Ft. Of Thoughtfully Designed Living On A Quiet Street. Over 5,000 Sf Of Liv. Hwd T/Out.9'/10'/9' Ceilgs 3Fps.Custom Chef's Gourmet Kitchen W/Natual Stone Island.Grand/ Bright Kit/Fam Rm, Brkfst Area W/O To Garden. Wine Fridge, Priv. Main Flr Office. Master Retreat W/5 Pc Ens & Lavish Boudoir. Walk-Up L/L Offers Gym, Fifth Bdr & Rec.Rm. RO filter, Water Softener , Cvac, Sec Cams sys& Auto Sprinklers sys F/B . Close To Shops, Renowned Schools, Steps To Owen Ps; Minutes To York Mills CI (IB), TFS & Crescent School.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13734748
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 5 (1 half)
- Size
- 3500-5000 sq ft
- Lot
- 50 × 120 ft
- Cross streets
- Yonge / York Mills
- Parking
- 2 garage · 6 parking (built-in)
- Driveway
- Private
- Basement
- Finished, Walk-Up
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Unknown
- Sewer
- Sewer
- Property tax
- $23,731 / 2025
- Days on market
- 10
- Listing brokerage
- BAY STREET GROUP INC.
Rooms
w/o to deck · combined w/kitchen · overlooks garden
semi ensuite · hardwood floor · double closet
double closet · window · laminate
fireplace · overlooks garden · b/i shelves
fireplace · walk-up · built-in speakers
breakfast bar · centre island · overlooks family
5 pc ensuite · walk-in closet(s) · fireplace
4 pc ensuite · double closet · hardwood floor
hardwood floor · crown moulding · swing doors
semi ensuite · double closet · overlooks frontyard
b/i desk · crown moulding · hardwood floor
Listed at $4,490,000 with no offer date, so the ask is the seller’s number, and homes priced this way sell close to it. My read is $4.24M, typically $4.21M to $4.25M. Comparable listings on their own put this home around $3.65M, so the ask carries a premium over the comparables: the seller is pricing in the finishes, the lot, or room to negotiate. That gap is your negotiating room.
Second read, from the city assessment: $4.50M. That is about 23% above the comparable-sales figure. When my two methods disagree this much, the answer usually sits between them and something about this home is not in the comparables (the lot, the condition, a rebuild). I would want to see it before leaning on either number.
Total price vs nearby homes. Fair value about $4.24M, median of 5 comparables.
The market behind the math:
About 1.8 months of inventory: 14 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 $1,056/sqft against an area asking average of $1,016/sqft. Size and $/sqft both feed the estimate above.
- Walk-up basement. Extra light, usable space, and income potential, so the estimate is a conservative floor for it.
How this estimate is builtthe short version
I take the 5 most comparable recent listings 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 listing.
It’s grounded in comparable active listings. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $4.50M, 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
Schools & getting aroundcatchment and transit
On schools, this address is zoned for York Mills 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.
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($1,056/sqft) is in line with the area, so you are paying for extra space rather than a premium.
The listing states size as a wide range, so the size adjustment is approximate and this estimate is a rough read. I can confirm exact square footage to tighten it.
Based on 5 comparable homes nearby.
For sale
For sale
For sale
For sale
For sale
For saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $985/sqft; this home lists at $1,056/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 6 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: 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
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 11, 2026); conventional rates run a little higher.
Mortgage amount $3,592,000 · 4.24% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $19,365
- Property tax
- $1,978
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $21,342
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $98,725
- Toronto municipal land transfer tax
- $118,525
- Estimated closing costs
- $217,250
Plus your down payment of $898,000. 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
- $1,161,893
- Principal paid down
- $452,081
- Interest paid
- $709,811
- Balance remaining
- $3,139,919
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 18 whole-home leases in St. Andrew-Windfields signed at a median of $6,500 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $6,242. 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 BAY STREET GROUP INC.. MLS®/PropTx.