45 Pinnacle Road, Toronto, ON
St. Andrew-Windfields, Toronto · MLS® C13814398
About this home
In short
- Fabulous Family home in highly sought after 'Windfield Estates' area (York Mills/Bayview) with Wonderful 'Country French' Kitchen for the Gourmet...Granite Counters...
- The spacious main floor offers Brazilian Cherry hardwood throughout the Open Concept Living/Dining areas, Crown moulding, Inviting Family Room w/Fireplace & walk out...
- Finished Lower level includes Large Rec Room w/Fireplace & Walk out to yard/Open concept to Second kitchen w/Pantry & Generous Eating area, Separate Family Room or...
- Minutes to TTC, 401, DVP for an easy commute to the City.
Fabulous Family home in highly sought after 'Windfield Estates' area (York Mills/Bayview) with Wonderful 'Country French' Kitchen for the Gourmet...Granite Counters, Centre Island, Desk area, B/I Appliances, Ceramic floors, Sun filled Breakfast nook with double Bay windows & Walk out to private Deck overlooking fully fenced yard, a perfect place to enjoy morning Coffee. The spacious main floor offers Brazilian Cherry hardwood throughout the Open Concept Living/Dining areas, Crown moulding, Inviting Family Room w/Fireplace & walk out to deck, Main floor Laundry w/walk out, 3 Baths with heated floors & Steam Shower in the Primary Ensuite. Finished Lower level includes Large Rec Room w/Fireplace & Walk out to yard/Open concept to Second kitchen w/Pantry & Generous Eating area, Separate Family Room or Additional Bedroom with walk out perfect for extended family & guests, this home has it all & is a Must See! Minutes to TTC, 401, DVP for an easy commute to the City. Exceptional neighbourhood with all Amenities including Parks, Tennis, Granite club, Shopping, Great Hospitals, Schools include Dunlace PS, Windfields Middle School & York Mills Collegiate, all offering French immersion & Crescent Private school for Boys, this is the place to be!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13814398
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 55 × 123.95 ft
- Cross streets
- York Mills/Banbury
- Parking
- 2 garage · 4 parking (attached)
- Basement
- Finished with Walk-Out
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $12,415 / 2026
- Days on market
- 15
- Listing brokerage
- RE/MAX HALLMARK YORK GROUP REALTY LTD.
Rooms
hardwood floor · w/o to deck
hardwood floor · closet
hardwood floor · open concept
laminate · w/o to yard · pot lights
hardwood floor · 4 pc ensuite · walk-in closet(s)
ceramic floor · w/o to sundeck · bay window
hardwood floor · closet
Broadloom
ceramic floor · pantry
hardwood floor · closet
hardwood floor · open concept
w/o to yard · b/i shelves
broadloom · w/o to yard
ceramic floor · b/i appliances · pot lights
Listed at $2,398,000. Going by how homes in St. Andrew-Windfields and the wider GTA have actually closed against their asking prices (about 96%, 25 local closings in 90 days), the likely sale price is near $2.31M, if it sells. A realistic range is $2.17M to $2.60M.
Independent value check: $2.17M. Without looking at the asking price, our model values the home itself about 9% below the ask (homes like it typically land between $2.04M and $2.28M).
Why $2.17M. The typical detached home sold in St. Andrew-Windfields over the past year went for about $2.50M (93 sales). What sets this one apart:
- ▼ Lowers it stronglyIts tax bill, which follows the city's own assessment, is $12,415 a year; the typical home sold here pays about $15,400.
Total price vs nearby homes. Likely closing about $2.31M, from 25 recent closings in this pocket.
The market behind the math:
About 0.8 months of inventory: 7 detached homes for sale in the area against 25 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $872/sqft against an area asking average of $948/sqft.
- Walk-out basement apartment features. A finished 1 bed walk-out basement apartment with a second kitchen. A self-contained space for extended family, guests or potential income. In St. Andrew-Windfields basements rarely rent out (5 of 134 recent detached leases were basement units), so buyers here treat a suite as family or nanny space rather than income. Value it for the living space, not the rent. 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 25 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $2.11M. Condition and finishes remain an in-person call.
What the listing highlights4 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Heated floors: comfort and a premium-finish signal. Lifestyle
- Primary suite: a key comfort and resale feature. Lifestyle
- Open-concept layout: modern, sought-after flow. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Schools & getting aroundcatchment and transit
Its public catchment (York Mills Collegiate Institute) 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
Priced above comparable homes overall, but the price per square foot ($872/sqft) is below the area, so you are paying for extra space rather than a premium.
Based on 25 comparable homes that sold in St. Andrew-Windfields over the past two years, from 164 closings there.
For sale
For sale
For sale
For sale
For sale
For sale
For saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $800/sqft; this home lists at $872/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 7 active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in St. Andrew-Windfields: $3.41M in September 2026, down 5% from a year ago, on 79 closings in 10 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $3.71M | 7 |
| November 2025 | $2.59M | 6 |
| December 2025 | $2.08M | 8 |
| February 2026 | $2.95M | 7 |
| March 2026 | $2.27M | 8 |
| April 2026 | $2.92M | 8 |
| May 2026 | $2.29M | 10 |
| July 2026 | $2.62M | 12 |
| August 2026 | $2.35M | 7 |
| September 2026 | $3.41M | 6 |
Neighbourhood & location
St. Andrew-Windfields, 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 7, 2026); conventional rates run a little higher.
Mortgage amount $1,918,400 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $10,607
- Property tax
- $1,035
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $11,642
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $46,425
- Toronto municipal land transfer tax
- $46,425
- Estimated closing costs
- $92,850
Plus your down payment of $479,600. 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
- $636,430
- Principal paid down
- $234,393
- Interest paid
- $402,037
- Balance remaining
- $1,684,007
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
About the suite: in St. Andrew-Windfields basements rarely rent out (5 of 134 recent detached leases were basement units), so the figure above does not count it as income. Buyers here use a suite as family or nanny space.
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 33 whole-home leases in St. Andrew-Windfields signed at a median of $4,917 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $5,084. 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 RE/MAX HALLMARK YORK GROUP REALTY LTD.. MLS®/PropTx.