123 Havelock Street, Toronto, ON
Dufferin Grove, Toronto · MLS® C13810220
About this home
In short
- Tucked into coveted Dufferin Grove & directly opposite the neighbourhood's most beloved park, this perfect family home showcases how a historic Toronto residence can...
- Set on an exceptional 35-foot-wide lot (with a rare private drive for three cars), this home offers over 4,250 sq ft of living space on four levels, combining period...
- The 2019 two-storey rear addition delivers coveted indoor-outdoor living, w/ expansive windows flooding the family room w/ natural light & creating a seamless...
- The second level provides three generous bedrooms, bathroom & laundry, while the private primary suite occupies the top floor w/ walk-in closet & spa-like ensuite...
- At the rear, the 2023 garden suite is an architectural statement of its own: full-height sliders, three skylights, an open-concept layout w/ bdrm and a private patio.
Tucked into coveted Dufferin Grove & directly opposite the neighbourhood's most beloved park, this perfect family home showcases how a historic Toronto residence can evolve without losing its soul. Set on an exceptional 35-foot-wide lot (with a rare private drive for three cars), this home offers over 4,250 sq ft of living space on four levels, combining period craftsmanship w/ contemporary updates, mature garden & a stunning garden suite. Original architectural details (warm oak staircases, elegant pocket doors, generous proportions & marble-clad fireplace) are thoughtfully integrated w/ modern finishings. The 2019 two-storey rear addition delivers coveted indoor-outdoor living, w/ expansive windows flooding the family room w/ natural light & creating a seamless connection to the exquisite landscaped garden. The second level provides three generous bedrooms, bathroom & laundry, while the private primary suite occupies the top floor w/ walk-in closet & spa-like ensuite, featuring a deep soaker tub & separate walk-in shower. The fully finished lower level, with separate entrance, bedroom, bathroom, new kitchen and expansive living area, provides remarkable flexibility for guests, tenants or extended family. At the rear, the 2023 garden suite is an architectural statement of its own: full-height sliders, three skylights, an open-concept layout w/ bdrm and a private patio. This bright, beautifully considered space is equally suited to guests, family, independent workspace or rental. And what a setting! Dufferin Grove Park is at your doorstep, w/ a children's playground, rink & community hub, plus a weekly farmers' market. Dufferin Mall-a block away; TTC-five minutes. Add Little Italy, Little Portugal & Bloordale into the mix, and you have the perfect neighbourhood of restaurants, boutiques, bakeries & specialty shops. The best in urban living-green space, great schools and a true community-is yours with this perfect gem, a home that truly has it all.
Key facts
- Property type
- Semi-Detached, 3-Storey
- MLS®
- C13810220
- Bedrooms
- 4+2 (6 total)
- Bathrooms
- 4
- Size
- 3000-3500 sq ft
- Lot
- 35 × 147 ft
- Cross streets
- Dovercourt St & College St
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Finished with Walk-Out, Separate Entrance, Full
- Kitchens
- 3 (2 + 1)
- Heating
- Forced Air
- A/C
- Wall Unit(s)
- Exterior
- Brick
- Foundation
- Stone
- Roof
- Asphalt Shingle, Membrane, Slate
- Sewer
- Sewer
- Property tax
- $13,290 / 2026
- Days on market
- 24
- Listing brokerage
- BOSLEY REAL ESTATE LTD.
Rooms
double closet · casement windows · broadloom
ensuite bath · walk-in closet(s) · broadloom
ceramic floor · window
double closet · casement windows · broadloom
closet · casement windows · broadloom
hardwood floor · pocket doors
broadloom · window · pot lights
window · laminate · stainless steel appl
broadloom · combined w/kitchen · pot lights
quartz counter · eat-in kitchen · stainless steel appl
large window · overlooks garden · combined w/kitchen
ceramic floor · window · laundry sink
Listed at $3,050,000, about 30% above our estimate of $2.35M (homes like it typically land between $2.21M and $2.47M).
Why $2.35M. The typical semi-detached home sold in Dufferin Grove over the past year went for about $1.28M (22 sales). What sets this one apart:
- ▲ Raises it stronglyIts tax bill, which follows the city's own assessment, is $13,290 a year; the typical home sold here pays about $6,400.
- ▲ Raises it stronglyIt is 3,000 to 3,500 sq ft; the typical home sold here is 1,500 to 2,000.
- ▲ Raises it slightlyIts lot is 35 by 147 ft; the typical lot sold here is 18 by 126.
- ▲ Raises it slightly0 garage and 3 total parking spaces, against 2 and 1 typically.
Total price vs nearby homes. Fair value about $2.35M, learned from recent GTA sales.
The market behind the math:
About 5 months of inventory: 5 semi-detached homes for sale in the area against 3 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $938/sqft against an area asking average of $750/sqft.
- Walk-out basement apartment features. A finished 2 bed walk-out basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Dufferin Grove: 17 of the 54 detached leases here lately were basement units, around $1,650 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Toronto.
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.
It never sees the asking price. The 5 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $2.02M. Condition and finishes remain an in-person call.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits. Value driver
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
- Open-concept layout: modern, sought-after flow. Lifestyle
Schools & getting aroundcatchment and transit
Its public catchment (King Edward Junior and Senior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
Read this with carewhy it’s an estimate, not an appraisal
There were not many closely comparable homes right in Dufferin Grove, so I widened the search to the surrounding area.
Based on 6 homes sold on this street over the past two years, from 53 closings in Dufferin Grove.
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. Homes like this one have recently closed around $2.35M, which is where my estimate comes from.
Per square foot, these ask about $750/sqft; this home lists at $938/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesSold price trend
Median sold price for semi-detached homes in Toronto: $1.12M in September 2026, up 2% from a year ago, on 2,409 closings in 12 months.
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
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.08M | 252 |
| November 2025 | $1.03M | 207 |
| December 2025 | $967K | 117 |
| January 2026 | $997K | 100 |
| February 2026 | $1.09M | 151 |
| March 2026 | $1.18M | 180 |
| April 2026 | $1.18M | 242 |
| May 2026 | $1.18M | 282 |
| June 2026 | $1.21M | 262 |
| July 2026 | $999K | 237 |
| August 2026 | $970K | 166 |
| September 2026 | $1.12M | 213 |
Neighbourhood & location
Dufferin Grove, 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 16, 2026); conventional rates run a little higher.
Mortgage amount $2,440,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $13,491
- Property tax
- $1,108
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $14,599
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $62,725
- Toronto municipal land transfer tax
- $63,225
- Estimated closing costs
- $125,950
Plus your down payment of $610,000. 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
- $809,471
- Principal paid down
- $298,123
- Interest paid
- $511,348
- Balance remaining
- $2,141,877
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
The suite is real income here: basements rent in Dufferin Grove (17 of 54 recent detached leases were basement units, around $1,650 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,650 a month on top of the upper floors. Permitted use is worth confirming with the city.
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 15 whole-home leases in Dufferin Grove signed at a median of $3,453 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $5,161. 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 BOSLEY REAL ESTATE LTD.. MLS®/PropTx.