409 St Clements Avenue, Toronto, ON
Lawrence Park South, Toronto · MLS® C13843422
About this home
In short
- Welcome to this charming and lovingly maintained home, proudly cherished by the same family for the past 11 years, in the highly sought-after Allenby and North...
- New wall mounted Air Condition on second floor 2021.
- New bathroom second floor 2015, New appliances from 2015 to 2025.
Welcome to this charming and lovingly maintained home, proudly cherished by the same family for the past 11 years, in the highly sought-after Allenby and North Toronto Collegiate school district. A wonderful opportunity to enjoy a welcoming neighborhood, outstanding educational options, and the convenience of one of Toronto's most established and connected communities. Has Classic North Toronto Features Of Stained Glass, new Laminate with sub-floor and Stair and A Wood Burning Fireplace. New wall mounted Air Condition on second floor 2021. New bathroom second floor 2015, New appliances from 2015 to 2025. Perfectly situated in one of Toronto's most desirable family-friendly neighborhoods, this home offers an exceptional blend of community charm and urban convenience. Just steps from the vibrant shops, restaurants, transit, and everyday amenities along Eglinton, Avenue Road, and Yonge Street, everything you need is right at your doorstep. Families will appreciate the excellent selection of highly regarded public schools nearby, including Allenby Public School, Glenview Senior Public School, North Toronto Collegiate Institute, and Lawrence Park Collegiate Institute. Children can walk safely to Allenby Public School without crossing a major intersection, offering added peace of mind for families. The location also provides convenient access to a number of respected private schools, including University of Toronto Schools (UCC), Havergal College, St. Clement's School, and Toronto French School (TFS).
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- C13843422
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 2
- Size
- 1500-2000 sq ft
- Lot
- 25 × 136.58 ft
- Cross streets
- Avenue Rd. & Eglinton
- Parking
- 0 parking
- Driveway
- None
- Basement
- Separate Entrance, Finished
- Heating
- Radiant
- A/C
- Wall Unit(s)
- Exterior
- Brick
- Foundation
- Brick
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $9,131 / 2026
- Days on market
- 19
- Listing brokerage
- KW Living Realty
Rooms
laminate · picture window · track lighting
ceramic floor · granite counters · breakfast area
b/i desk · above grade window
laminate · b/i shelves
laminate · w/o to deck
laminate · fireplace · bay window
laminate · b/i shelves
laminate · closet
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 readOn schools, this address is zoned for North Toronto Collegiate Institute, one of the higher-rated public schools in the area. A strong catchment tends to hold value and widen your resale pool, especially with family buyers.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market.
Per square foot, these ask about $1,433/sqft; this home lists at $1,017/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Lawrence Park South, Toronto, ON
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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 20, 2026); conventional rates run a little higher.
Mortgage amount $1,424,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,874
- Property tax
- $761
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,634
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $32,075
- Toronto municipal land transfer tax
- $32,075
- Estimated closing costs
- $64,150
Plus your down payment of $356,000. 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
- $472,412
- Principal paid down
- $173,987
- Interest paid
- $298,426
- Balance remaining
- $1,250,013
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 KW Living Realty. MLS®/PropTx.