195 Niagara Street, Toronto, ON
Niagara, Toronto · MLS® C13782760
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About this home
In short
- Set along one of downtown Toronto's most established residential streets, 195 Niagara is a two-storey semi-detached property offering three units, a detached one-car...
- Soaring ceilings are complemented by skylights that bring natural light into the living area, while a tin ceiling adds architectural interest to the separate dining room.
- A large chef's kitchen anchors the rear of the home and walks out to a private outdoor space framed by a pergola-a welcome extension of the living space in the warmer...
- The property has benefited from a number of meaningful improvements over the years, including a new main roof, garage roof and skylights in 2019.
- The 511 Bathurst streetcar stops at Niagara Street, while the 504 King streetcar runs nearby along King West, providing a direct connection through the downtown core.
Set along one of downtown Toronto's most established residential streets, 195 Niagara is a two-storey semi-detached property offering three units, a detached one-car garage and a location that places some of the city's best neighbourhood amenities within easy reach. The main-floor one-bedroom is the standout, pairing generous proportions with character details that give the space a distinct sense of place. Soaring ceilings are complemented by skylights that bring natural light into the living area, while a tin ceiling adds architectural interest to the separate dining room. A large chef's kitchen anchors the rear of the home and walks out to a private outdoor space framed by a pergola-a welcome extension of the living space in the warmer months. Upstairs, the second one-bedroom unit is thoughtfully laid out with clearly defined living spaces. A separate eat-in kitchen sits apart from the living room, while the bedroom offers a dedicated closet and comfortable proportions. The lower level is home to a quaint bachelor suite with its own separate eat-in kitchen, tiled floors and ample storage. With access available from both the front and rear of the property, the space offers a practical and efficient layout. Shared laundry facilities are also conveniently located on the lower level.The property has benefited from a number of meaningful improvements over the years, including a new main roof, garage roof and skylights in 2019. More recently, the interior has been refreshed with a new coat of paint, while the front exterior has received fresh paint, brick repairs and updated landscaping. Outside, a detached one-car garage adds valuable downtown utility. The location brings together the residential character of Niagara Street with exceptional access to the city. The 511 Bathurst streetcar stops at Niagara Street, while the 504 King streetcar runs nearby along King West, providing a direct connection through the downtown core.
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- C13782760
- Bedrooms
- 2+1 (3 total)
- Bathrooms
- 3
- Size
- 1100-1500 sq ft
- Lot
- 20.08 × 110 ft
- Cross streets
- King St W & Niagara St
- Parking
- 1 garage (detached)
- Driveway
- Lane
- Basement
- Finished with Walk-Out, Apartment
- Kitchens
- 3 (2 + 1)
- Heating
- Baseboard
- A/C
- None
- Exterior
- Brick
- Foundation
- Brick
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,292 / 2026
- Days on market
- 27
- Listing brokerage
- PROPERTY.CA INC.
Rooms
large window · hardwood floor
tile floor · eat-in kitchen
skylight · open concept · w/o to yard
partly finished · tile floor
eat-in kitchen · large window · tile floor
hardwood floor · large window
tile floor · renovated · eat-in kitchen
hardwood floor · open concept · overlooks dining
hardwood floor · large window
tile floor · open concept · combined w/br
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readThe assigned public school is Niagara Street Junior Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Neighbourhood & location
Niagara, Toronto, ON
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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 October 19, 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
- $524
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,713
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
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 PROPERTY.CA INC.. MLS®/PropTx.