46 Bernard Avenue, Toronto, ON
Annex, Toronto · MLS® C13762652
About this home
In short
- 46 Bernard Ave - your dream home you never thought you could buy.
- And, if that wasn't enough to swoon over, there is an absolutely magical courtyard garden oasis that feels worlds away from the city all yours to enjoy.
- Inside, soaring proportions & oversized principal rooms are made for city living on a grand scale - dinner for 16?
- The renovated eat-in kitchen is bright, design savvy & inviting, while the primary suite delivers the full wish list: fireplace, walk-in closet & a gorgeous marble...
- The second bedrm overlooks the backyard w/ a lovely 4 piece, & the 3rd bedrm has multiple use options: Queen Bed for family or guests; office/den; or a fantasy...
46 Bernard Ave - your dream home you never thought you could buy! Located where the Annex meets Yorkville, steps to the shops, restaurants & energy of Ave & Dav, sits a Heritage Red-Brick Victorian w/ arched windows, incredible entertaining space & serious style. A true AAA+ location where you walk out your front door & are in the middle of it all without sacrificing the charm, space & privacy of a house. And not just any house! Move-in ready. Beautifully finished. 3 bedrms. 4 bathrms. Parking. A gym. Woodburning F/Place. Did I mention the Curved Windows?! And, if that wasn't enough to swoon over, there is an absolutely magical courtyard garden oasis that feels worlds away from the city all yours to enjoy. Inside, soaring proportions & oversized principal rooms are made for city living on a grand scale - dinner for 16? No problem. Cocktails for 50? Easy. The renovated eat-in kitchen is bright, design savvy & inviting, while the primary suite delivers the full wish list: fireplace, walk-in closet & a gorgeous marble ensuite w/ heated floors. The second bedrm overlooks the backyard w/ a lovely 4 piece, & the 3rd bedrm has multiple use options: Queen Bed for family or guests; office/den; or a fantasy dressing room/custom 'Carrie Bradshaw' closet for the primary! But the real story here is the opportunity: Coveted Red Brick Victorian. Incredible space. Stunning finishes. Outdoor space. Parking. Ample storage space. Move-in ready. And, all the excitement & energy of Yorkville just steps away on one of the most coveted streets in Prime Annex. This is the rare moment when the location you've always wanted, the house you thought was out of reach and an exceptional price all meet at the same address. Come view 46 Bernard before someone else buys your home!
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- C13762652
- Bedrooms
- 3
- Bathrooms
- 4 (2 half)
- Size
- 2000-2500 sq ft
- Lot
- 22 × 80.62 ft
- Cross streets
- Davenport & Avenue
- Parking
- 1 parking
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Other
- Roof
- Slate
- Sewer
- Sewer
- Property tax
- $23,595 / 2026
- Days on market
- 40
- Listing brokerage
- ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTAT
Rooms
hardwood floor · double closet · north view
fireplace · walk-in closet(s) · 5 pc ensuite
hardwood floor · overlooks living
stone floor · sump pump
stone floor · double closet
hardwood floor · double closet · south view
hardwood floor · fireplace · south view
hardwood floor · open concept · w/o to yard
stainless steel appl · breakfast bar · quartz counter
Stainless Steel Sink
No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.
Considering this property? Request a written price readIts public catchment (Jesse Ketchum Junior and Senior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
For sale
For sale
For sale
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest semi-detached listings on the market.
Per square foot, these ask about $1,834/sqft; this home lists at $1,509/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
Annex, 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 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.
Mortgage amount $2,716,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $15,017
- Property tax
- $1,966
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $16,983
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $71,350
- Toronto municipal land transfer tax
- $75,300
- Estimated closing costs
- $146,650
Plus your down payment of $679,000. 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
- $901,034
- Principal paid down
- $331,845
- Interest paid
- $569,189
- Balance remaining
- $2,384,155
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 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 ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTAT. MLS®/PropTx.