530 Richmond Street, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13861226
About this home
In short
- Fully renovated duplex with flexible CRE (Commercial Residential Employment) zoning permitting residential, retail and office use.
- The property features 4 bedrooms, 3 bathrooms, 2 full kitchens, 2 laundries and 2 expansive decks across two-and-a-half floors, upper unit consists of 1126 sqft...
Fully renovated duplex with flexible CRE (Commercial Residential Employment) zoning permitting residential, retail and office use. The property features 4 bedrooms, 3 bathrooms, 2 full kitchens, 2 laundries and 2 expansive decks across two-and-a-half floors, upper unit consists of 1126 sqft, lower unit 1098 sqft Both units are tenanted on a month-to-month basis. Freehold ownership in one of the city's most walkable pockets, all the space of a house with none of the monthly fees of a condo. Turnkey finishes throughout, minimal maintenance, exceptional location.
Key facts
- Property type
- Other, 2 1/2 Storey
- MLS®
- C13861226
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 18.93 × 63.1 ft
- Cross streets
- Richmond St W & Spadina Ave
- Parking
- 0 parking
- Driveway
- None
- Basement
- Finished
- Heating
- Baseboard
- A/C
- Wall Unit(s)
- Exterior
- Stucco (Plaster)
- Foundation
- Unknown, Concrete
- Roof
- Unknown
- Sewer
- Sewer
- Property tax
- $7,232 / 2025
- Days on market
- 14
- Listing brokerage
- HARVEY KALLES REAL ESTATE LTD.
Rooms
window · laminate · w/o to deck
hardwood floor · pot lights · open concept
skylight · w/o to deck · pot lights
hardwood floor · picture window · wall sconce lighting
above grade window · pot lights · walk-in closet(s)
pot lights · window · combined w/dining
b/i appliances · custom counter · custom backsplash
Ceramic Floor
bay window · combined w/living · pot lights
b/i appliances · custom counter · pot lights
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 readThe assigned public school is City School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Nothing closely matching this home is listed nearby right now, so these are the nearest listings on the market.
Per square foot, these ask about $976/sqft; this home lists at $771/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesNeighbourhood & location
Waterfront Communities C1, 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
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 $1,079,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,967
- Property tax
- $603
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,570
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $23,455
- Toronto municipal land transfer tax
- $23,455
- Estimated closing costs
- $46,910
Plus your down payment of $269,800. 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
- $358,025
- Principal paid down
- $131,858
- Interest paid
- $226,167
- Balance remaining
- $947,342
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
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 HARVEY KALLES REAL ESTATE LTD.. MLS®/PropTx.