109-349 St Clair Avenue, Toronto, ON

Casa Loma, Toronto · MLS® C13783026

$1,799,000
For Sale
Listed 35 days agoNo offer date stated
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2+1Bedrooms
4Bathrooms
2Garage
1800-1999Sq ft

About this home

A calming remarkable recently renovated 3-storey suite in a convenient and serene location, next to the Nordheimer Ravine, transit and Forest Hill Village. Facing southwest, light filled and surrounded by trees, birds come to visit on the patio. Warm White oak kitchen and granite counters, wood burning fireplace and updated baths, just come and enjoy a quiet lifestyle in an intimate building. Kitchen appliances are all integrated and by Bosch.

Key facts

Property type
Condo Apartment, 3-Storey
MLS®
C13783026
Bedrooms
2+1 (3 total)
Bathrooms
4 (1 half)
Size
1800-1999 sq ft
Cross streets
Spadina/St Clair W
Parking
2 garage (underground)
Basement
None
Heating
Baseboard
A/C
Central Air
Exterior
Brick
Maintenance
$1,269/mo
Exposure
South West
Property tax
$5,126 / 2026
Days on market
35
Listing brokerage
REMAX YOUR COMMUNITY REALTY

Rooms

Bedroom 2Upper3.40 × 4.00 m

window · double closet

Bedroom 3Lower6.10 × 6.50 m

open concept · 3 pc ensuite · w/o to terrace

Dining RoomMain5.50 × 3.60 m

combined w/kitchen · hardwood floor · large window

LaundryLower2.50 × 1.80 m
Primary BedroomUpper4.80 × 5.50 m

3 pc ensuite · closet · balcony

KitchenMain5.50 × 3.60 m

open concept · granite counters · pantry

Our TakeTeam Asgarian · Broker
A small discount is typical
$1.75Mlikely sale price

Listed at $1,799,000. Going by how homes in Casa Loma and the wider GTA have actually closed against their asking prices (about 97%, 16 local closings in 90 days), the likely sale price is near $1.75M, if it sells. A realistic range is $1.65M to $1.89M.

Independent value check: no figure for this home. Going only by the sales record, our model lands more than 25% below the ask. At that distance an automated figure has rarely been close to the eventual sale price, so we are not printing one. The usual reason is something the record cannot show: a rebuild, a second unit, or a lot or setting unlike the homes around it.

List price
$1.65MBelow recent closings$1.89MAbove recent closings

Total price vs nearby homes. Likely closing about $1.75M, from 16 recent closings in this pocket.

The market behind the math:

16sold nearby · 90 days
$819Kmedian sold price
97%of asking, on average
−27%prices vs a year ago
~25 dayshomes like this take to sell
35days on market so far
$8,127/moest. rent · 21 leases
5.4%gross yield on the ask
Buyer's market
Buyer's marketSeller's market

About 6.4 months of inventory: 34 condo apartment homes for sale in the area against 16 closings in the last 90 days. Under two months favours sellers, over four favours buyers.

This home
Below area avgAbove area avg

Price per square foot: this home lists at $947/sqft against an area asking average of $1,282/sqft.

  • Park / green-space backing. This home is described as backing onto a ravine or green setting, and the listing says so too. That privacy is priced into the comparison. What is actually behind the fence, and how the lot sits against it, is my in-person call.
How this estimate is builtthe short version

This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood and this building.

It never sees the asking price. The 16 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $854K. Condition and finishes remain an in-person call.

What the listing highlights2 points to weigh

Claims from the listing, worth confirming in person. I can book you a private showing.

  • Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits. Worth verifying
  • Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
Schools & getting aroundcatchment and transit

The assigned public school is Oakwood Collegiate Institute. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.

Read this with carewhy it’s an estimate, not an appraisal

Priced above comparable homes overall, but the price per square foot ($947/sqft) is below the area, so you are paying for extra space rather than a premium.

There were not many closely comparable homes right in Casa Loma, so I widened the search to the surrounding area.

Based on 3 homes sold in this building over the past two years, plus 2 nearby in Casa Loma, from 107 closings in Casa Loma.

What sellers nearby are askingCurrently listed nearby in Casa Loma · asking prices
$2.38Mavg asking

Nothing closely matching this home is listed nearby right now, so these are the nearest condo apartment listings on the market. Homes like this one have recently closed around $2.43M, which is where my estimate comes from.

Per square foot, these ask about $1,424/sqft; this home lists at $947/sqft. Size is part of the price story, not just the sticker.

The 5 closest of 8 active listings nearby.

See all comparable homes
1.80MThis home2.26M2.66M2.66M1.50M2.83MThis home vs active comparables

Sold price trend

Median sold price for condos in Toronto: $540K in September 2026, down 4% from a year ago, on 10,804 closings in 12 months.

Oct 25Sep 26

Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Toronto as a whole: the neighbourhood alone has too few closings for a line of its own.

Month by month
MonthMedian soldClosings
October 2025$589K1052
November 2025$569K834
December 2025$545K659
January 2026$565K593
February 2026$575K722
March 2026$565K974
April 2026$565K1042
May 2026$560K1011
June 2026$558K1120
July 2026$560K1030
August 2026$548K882
September 2026$540K885

Neighbourhood & location

Casa Loma, 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
$640K
North St. James Town
$765K
Kensington-Chinatown
$585K
Church-Yonge Corridor
$529K
Waterfront Communities C1
$610K

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 Oakwood Collegiate Institute
66%
Oakwood Collegiate InstitutePublic · Secondary · 2.1 km awayBelow the GTA average · 66% meet the provincial standard
Hillcrest Community SchoolEQAO results not published
Winona Drive Senior Public SchoolEQAO results not published
Also nearby: 12 more schools within 2.5 km
Hillcrest Community School · Public elementary0.6 km · 85% at standard
Brown Junior Public School · Public elementary0.9 km · 86% at standard
Forest Hill Junior and Senior Public School · Public elementary1.3 km · 82% at standard
Humewood Community School · Public elementary1.3 km · 75% at standard
Cottingham Junior Public School · Public elementary1.4 km · 100% at standard
St Alphonsus Catholic School · Catholic elementary1.6 km · 74% at standard
McMurrich Junior Public School · Public elementary1.7 km · 81% at standard
Palmerston Avenue Junior Public School · Public elementary1.7 km · 80% at standard
Huron Street Junior Public School · Public elementary1.7 km · 74% at standard
St Bruno/St. Raymond Catholic School · Catholic elementary1.7 km · 56% at standard
Deer Park Junior and Senior Public School · Public elementary1.8 km · 84% at standard
Msgr Fraser Orientation Centre · Catholic secondary1.9 km

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

Affordability & Mortgage

Affordability
$8,199/mo
$351KIncome needed
5.1×Price ÷ income
$1,892Weekly cost
$64,910Land 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.

83%mortgage
Mortgage $8,199Property tax $427Condo fee $1,269Total carry $9,895

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)
$7,958per month

Mortgage amount $1,439,200 · 4.49% over 25 years

$359,800Down payment (20.0%)
$1,439,200Loan before insurance
$0CMHC premium
$9,654Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$7,958
Property tax
$427
Condo / maintenance fees
$1,269
Heating
$0
Estimated monthly cost
$9,654

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

One-time closing costs

Ontario land transfer tax
$32,455
Toronto municipal land transfer tax
$32,455
Estimated closing costs
$64,910

Plus your down payment of $359,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$9,631/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

$948,075Total interest paid
$2,387,275Total of all payments
Principal $1,439,200 Interest $948,075
YearPrincipalInterestBalance
1$32,117$63,374$1,407,083
2$33,575$61,916$1,373,508
3$35,099$60,392$1,338,409
4$36,693$58,798$1,301,715
5$38,359$57,132$1,263,356
6$40,101$55,390$1,223,256
7$41,922$53,569$1,181,334
8$43,825$51,666$1,137,509
9$45,815$49,676$1,091,694
10$47,895$47,596$1,043,799
11$50,070$45,421$993,730
12$52,343$43,148$941,387
13$54,720$40,771$886,667
14$57,204$38,287$829,463
15$59,801$35,690$769,662
16$62,517$32,974$707,145
17$65,355$30,136$641,790
18$68,322$27,169$573,468
19$71,425$24,066$502,043
20$74,667$20,824$427,376
21$78,058$17,433$349,318
22$81,602$13,889$267,716
23$85,307$10,184$182,409
24$89,180$6,311$93,229
25$93,229$2,262$0

At the end of your 5-year term

Total paid over the term
$477,455
Principal paid down
$175,844
Interest paid
$301,611
Balance remaining
$1,263,356

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
From 21 whole-home leases in Casa Loma$8,127/mo
$97,524Gross annual rent
3.7%Cap rate after taxes and upkeep
$7,078 to $9,341Typical rent range
~17 daysTo find a tenant, on average

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

The last 21 whole-home leases in Casa Loma signed at a median of $7,108 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $8,127. 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.

5.4%
Gross yield
− Property tax $5,126− Condo fees $15,227− Insurance $600− Vacancy & upkeep $10,728Net operating income $65,843

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

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