115 Whitmore Avenue, Toronto, ON

Forest Hill North, Toronto · MLS® C13779136

$3,499,000
For Sale
Listed 35 days agoNo offer date stated
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4+1Bedrooms
5Bathrooms
2Garage · 5 parking
3000-3500Sq ft

About this home

In short

  • If you've been watching Forest Hill North, this one deserves your attention.
  • High-End Chef's Kitchen Complete With Custom Wine Display, Top-Tier Built-In Appliances- Wolf Gas Range, Sub-Zero Fridge, 2-Samsung W/D's, Caesar Stone Counters, &...
  • Second Level 4 Bedrooms All With Tray Ceilings Custom Walk-In Closets; Exquisite Primary Retreat Features A Spa-Like 5pc-Ensuite With Heated Floors.
  • Incredible Secondary Bedrooms With Ensuites, Upper-Level Laundry, Artistic Skylights, Plus An Exceptionally Spacious Walk-Out Lower Level Featuring Radiant Heated...
  • Close to West Prep, Forest Hill schools, parks, the Kay Gardner Beltline Trail, shops, restaurants and transit.

If you've been watching Forest Hill North, this one deserves your attention. Custom-built in 2022, over 4,500 sq ft of finished living space, 4 bedrooms, multiple ensuites, a walk-out lower level and exceptional finishes throughout. High-End Chef's Kitchen Complete With Custom Wine Display, Top-Tier Built-In Appliances- Wolf Gas Range, Sub-Zero Fridge, 2-Samsung W/D's, Caesar Stone Counters, & Seamless Walk-Out From Main Level To A Large Private Deck W/ Natural Gas BBQ Line. Second Level 4 Bedrooms All With Tray Ceilings Custom Walk-In Closets; Exquisite Primary Retreat Features A Spa-Like 5pc-Ensuite With Heated Floors. Incredible Secondary Bedrooms With Ensuites, Upper-Level Laundry, Artistic Skylights, Plus An Exceptionally Spacious Walk-Out Lower Level Featuring Radiant Heated Hardwood Floors, Recreation/Hobby Rooms & A Second Laundry Suite, Interlocking Stone Driveway. Garage Equipped With Power Supply Suitable For EV Charger Installation. And the location is hard to beat. Close to West Prep, Forest Hill schools, parks, the Kay Gardner Beltline Trail, shops, restaurants and transit. Currently rented to AAA tenants at over $9,000/month, with the option for them to stay, making this an attractive opportunity for both end-users and investors. Truly A Masterclass In Modern Design!

Key facts

Property type
Detached, 2-Storey
MLS®
C13779136
Bedrooms
4+1 (5 total)
Bathrooms
5 (1 half)
Size
3000-3500 sq ft
Lot
35 × 110 ft
Cross streets
Eglinton Ave and Allen Rd
Parking
2 garage · 5 parking (built-in)
Basement
Finished with Walk-Out, Walk-Up
Heating
Forced Air
A/C
Central Air
Exterior
Brick, Stone
Foundation
Concrete Block
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$16,771 / 2025
Days on market
35
Listing brokerage
ROYAL LEPAGE SIGNATURE REALTY

Rooms

Bedroom 3Second3.26 × 5.29 m

double closet · 3 pc ensuite · hardwood floor

LaundryBasement4.30 × 1.89 m

laundry sink · w/o to garage · closet

Bedroom 5Basement2.98 × 4.33 m

above grade window · double closet · hardwood floor

Bedroom 4Second3.92 × 3.02 m

double closet · hardwood floor

Exercise RoomBasement5.07 × 3.03 m

heated floor · hardwood floor · open concept

KitchenMain8.42 × 2.67 m

b/i appliances · walk-out · centre island

FoyerMain1.90 × 2.07 m

double closet · step-up

Family RoomMain4.87 × 5.18 m

gas fireplace · open concept · b/i shelves

StudyMain1.49 × 1.90 m

b/i shelves · double doors · b/i desk

Dining RoomMain3.30 × 6.00 m

open concept · hardwood floor · combined w/living

Bedroom 2Second5.23 × 4.75 m

3 pc ensuite · walk-in closet(s) · hardwood floor

OtherSecond5.76 × 1.38 m

hardwood floor · skylight

LaundrySecond1.14 × 1.51 m

Enclosed

Primary BedroomSecond6.03 × 4.36 m

hardwood floor · walk-in closet(s) · 5 pc ensuite

Living RoomBasement4.81 × 4.78 m

heated floor · hardwood floor · walk-up

Living RoomMain3.97 × 5.69 m

gas fireplace · large window · open concept

Our TakeTeam Asgarian · Broker
No automatic estimate

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 read

Neighbourhood & location

Forest Hill North, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Dovercourt-Wallace Emerson-Junction
$1.25M
Leaside
$2.15M
St. Andrew-Windfields
$4.10M
Banbury-Don Mills
$5.50M
Willowdale East
$2.19M

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near St. Thomas Aquinas
74%
St. Thomas AquinasCatholic · Elementary · 0.8 km awayAround the GTA average · 74% meet the provincial standard
West Preparatory Junior Public SchoolEQAO results not published
Forest Hill Junior and Senior Public SchoolEQAO results not published
Forest Hill Collegiate InstituteEQAO results not published
Also nearby: 12 more schools within 2.5 km
West Preparatory Junior Public School · Public elementary0.5 km · 77% at standard
J R Wilcox Community School · Public elementary0.6 km · 72% at standard
Cedarvale Community School · Public elementary0.7 km · 85% at standard
Sts Cosmas and Damian Catholic School · Catholic elementary0.9 km · 84% at standard
D'Arcy McGee Catholic School · Catholic elementary1.0 km · 48% at standard
Fairbank Public School · Public elementary1.1 km · 59% at standard
Forest Hill Collegiate Institute · Public secondary1.4 km · 76% at standard
Glen Park Public School · Public elementary1.5 km · 54% at standard
North Preparatory Junior Public School · Public elementary1.5 km · 71% at standard
St John Bosco Catholic School · Catholic elementary1.6 km · 65% at standard
Humewood Community School · Public elementary1.7 km · 75% at standard
Fairbank Memorial Community School · Public elementary1.7 km · 66% at standard

Not the assigned catchment: schools a family here could reach, with EQAO results where published.

Affordability & Mortgage

Affordability
$15,947/mo
$654KIncome needed
5.3×Price ÷ income
$3,680Weekly cost
$152,890Land transfer tax, one-time (Ontario + Toronto)
20% down4.79%25-yr amortization

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.

92%mortgage
Mortgage $15,947Property tax $1,398Total carry $17,345

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

$
20.0%
$
%

Homes over $1.5M can't be insured, so 20% down or more is required.

4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$15,477per month

Mortgage amount $2,799,200 · 4.49% over 25 years

$699,800Down payment (20.0%)
$2,799,200Loan before insurance
$0CMHC premium
$16,875Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$15,477
Property tax
$1,398
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$16,875

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$73,950
Toronto municipal land transfer tax
$78,940
Estimated closing costs
$152,890

Plus your down payment of $699,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$18,733/monthPayment at the qualifying rate

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

$1,843,977Total interest paid
$4,643,177Total of all payments
Principal $2,799,200 Interest $1,843,977
YearPrincipalInterestBalance
1$62,466$123,261$2,736,734
2$65,302$120,425$2,671,431
3$68,267$117,460$2,603,164
4$71,367$114,360$2,531,797
5$74,607$111,120$2,457,189
6$77,995$107,732$2,379,195
7$81,536$104,191$2,297,658
8$85,238$100,489$2,212,420
9$89,108$96,619$2,123,312
10$93,154$92,573$2,030,158
11$97,384$88,343$1,932,774
12$101,805$83,922$1,830,968
13$106,428$79,299$1,724,540
14$111,260$74,467$1,613,280
15$116,312$69,415$1,496,969
16$121,593$64,134$1,375,376
17$127,114$58,614$1,248,262
18$132,885$52,842$1,115,377
19$138,919$46,809$976,459
20$145,226$40,501$831,233
21$151,820$33,907$679,413
22$158,713$27,014$520,700
23$165,919$19,808$354,781
24$173,453$12,274$181,328
25$181,328$4,399$0

At the end of your 5-year term

Total paid over the term
$928,635
Principal paid down
$342,011
Interest paid
$586,625
Balance remaining
$2,457,189

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.

Let's connect

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

Rental yield
Estimate$6,300/mo
$75,600Gross annual rent
1.4%Cap rate after taxes and upkeep

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 numbers

Estimates 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.

2.2%
Gross yield
− Property tax $16,771− Insurance $1,400− Vacancy & upkeep $8,316Net operating income $49,113

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of ROYAL LEPAGE SIGNATURE REALTY. MLS®/PropTx.

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