10 Earl Street, Toronto, ON
North St. James Town, Toronto · MLS® C13850938
About this home
In short
- Renovated for the way you live now.
- Part of Windsor Terrace, a Victorian row on a hushed, tree-lined dead end in Upper Jarvis, this legal duplex on a deep 20 x 132 ft lot offers two self-contained...
- Subway station is a 5-minute walk; Yorkville is 5 minutes by car.
- The owner renovated the two-floor main residence for themselves, and it shows: original exposed brick, a wood-burning fireplace, heated floors, and a kitchen in...
- Below, a recently renovated 2-bedroom suite with its own entrance, laundry, meter and walk0out to a private patio.
Built in 1877. Renovated for the way you live now. Part of Windsor Terrace, a Victorian row on a hushed, tree-lined dead end in Upper Jarvis, this legal duplex on a deep 20 x 132 ft lot offers two self-contained homes, a rooftop terrace and tandem parking for four cars, all delivered vacant. Subway station is a 5-minute walk; Yorkville is 5 minutes by car. Bloor Streets shops, restaurants and parks are all within easy reach. A heated mudroom with custom cabinetry sets the tone at the front door. The owner renovated the two-floor main residence for themselves, and it shows: original exposed brick, a wood-burning fireplace, heated floors, and a kitchen in natural walnut and Corian with induction cooking and a custom pantry built for your wine fridge and espresso machine. The top floor is a private retreat, with a primary suite framed by custom walnut closets, a spa ensuite with rain shower, teak floor and Toto washlet, and a walk-out to a sun-soaked rooftop terrace wired for sound. Below, a recently renovated 2-bedroom suite with its own entrance, laundry, meter and walk0out to a private patio. Live up, rent down. Bring the family together. Or lease both on day one. Five bedrooms, two homes, one rare downtown address.
Key facts
- Property type
- Other, 3-Storey
- MLS®
- C13850938
- Bedrooms
- 5
- Bathrooms
- 3
- Size
- 2500-3000 sq ft
- Lot
- 20 × 131.51 ft
- Cross streets
- Bloor St E & Jarvis St
- Parking
- 4 parking
- Basement
- Separate Entrance, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $9,336 / 2025
- Days on market
- 18
- Listing brokerage
- RE/MAX HALLMARK REALTY LTD.
Rooms
hardwood floor · stainless steel appl
hardwood floor · stainless steel appl
hardwood floor · window · closet
hardwood floor · window · closet
hardwood floor · window · closet
hardwood floor · window · closet
hardwood floor · combined w/living · open concept
hardwood floor · combined w/living
hardwood floor · fireplace · open concept
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 readIts public catchment (Jesse Ketchum Junior and Senior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
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 listings on the market. Homes like this one have recently closed around $1.30M, which is where my estimate comes from.
Per square foot, these ask about $1,093/sqft; this home lists at $618/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 homes in North St. James Town: $516K in September 2026, down 15% from a year ago, on 70 closings in 9 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 | $782K | 9 |
| November 2025 | $500K | 5 |
| January 2026 | $615K | 6 |
| March 2026 | $626K | 7 |
| April 2026 | $538K | 7 |
| May 2026 | $686K | 14 |
| June 2026 | $530K | 8 |
| August 2026 | $515K | 8 |
| September 2026 | $516K | 6 |
Neighbourhood & location
North St. James Town, 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 19, 2026); conventional rates run a little higher.
Mortgage amount $1,359,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,515
- Property tax
- $778
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,293
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $30,455
- Toronto municipal land transfer tax
- $30,455
- Estimated closing costs
- $60,910
Plus your down payment of $339,800. 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
- $450,915
- Principal paid down
- $166,069
- Interest paid
- $284,846
- Balance remaining
- $1,193,131
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 North St. James Town basements rarely rent out (0 of 500 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 11 whole-home leases in North St. James Town signed at a median of $1,900 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,765. 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 REALTY LTD.. MLS®/PropTx.