123 Birch Avenue, Toronto, ON
Annex, Toronto · MLS® C13864826
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About this home
In short
- Centre Ice at Yonge & Summerhill.
- Soaring 9'4" ceilings on the main floor, w/ hardwood floors & custom detailing set the tone.
- The fabulous kitchen features a Wolf 6-burner range, Caesarstone counters, marble backsplash, breakfast bar & incredible storage, opening to a generous dining area &...
- A fabulous 2nd bedrm/office with cathedral ceiling, skylight, bay window, built-in desk & Murphy bed offers wonderful flexibility, while 2 additional bedrooms & a...
- New roof 2026; Lennox furnace & A/C 2025.And the location simply doesn't get better.
Centre Ice at Yonge & Summerhill! Welcome to 123 Birch Ave, an exceptional detached home in one of Toronto's most coveted family neighbourhoods, in the highly sought-after Cottingham Jr. PS district - ranked the #1 elementary school in Ontario. Beautifully renovated & featured in House & Home magazine, this is that rare Summerhill combination: a sophisticated, move-in-ready family home with a private drive & integrated garage, just steps to everything along Yonge. Offering approx. 2,644 sq ft of total living space, 4 bedrooms & beautifully considered interiors. Soaring 9'4" ceilings on the main floor, w/ hardwood floors & custom detailing set the tone. The fabulous kitchen features a Wolf 6-burner range, Caesarstone counters, marble backsplash, breakfast bar & incredible storage, opening to a generous dining area & expansive living room with custom built-ins. Sliding doors lead to a private deck & enclosed city garden - an incredible extension of the living space for summer dinners & entertaining. Upstairs, the oversized primary retreat overlooks the garden with custom closets & a spa-like ensuite with heated stone floors, soaker tub & glass shower. A fabulous 2nd bedrm/office with cathedral ceiling, skylight, bay window, built-in desk & Murphy bed offers wonderful flexibility, while 2 additional bedrooms & a skylit bath complete the 3rd floor. The finished lower level offers a cozy rec rm w/gas fireplace, custom built-ins, powder rm, laundry & direct access to the garage. New roof 2026; Lennox furnace & A/C 2025.And the location simply doesn't get better! Walk out your door to Summerhill's shops, cafés & restaurants, TTC, parks & Cottingham Jr PS. A beautifully renovated detached home, private drive, integrated garage & one of the very best school districts in Ontario - right in the heart of Summerhill.
Key facts
- Property type
- Detached, 3-Storey
- MLS®
- C13864826
- Bedrooms
- 4
- Bathrooms
- 4 (2 half)
- Size
- 2000-2500 sq ft
- Lot
- 33.78 × 70.29 ft
- Cross streets
- Yonge & Birch Ave
- Parking
- 1 garage · 2 parking (built-in)
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick Veneer
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $15,039 / 2026
- Days on market
- 13
- Listing brokerage
- ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTATE
Rooms
hardwood floor · overlooks living · bay window
Stainless Steel Sink
hardwood floor · double closet · overlooks backyard
hardwood floor · b/i shelves · w/o to deck
hardwood floor · gas fireplace · b/i shelves
hardwood floor · b/i closet · 4 pc ensuite
stainless steel appl · stone counters · breakfast bar
murphy bed · cathedral ceiling(s) · bay window
hardwood floor · double closet · overlooks backyard
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readIts public catchment (Cottingham Junior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
Neighbourhood & location
Annex, Toronto, ON
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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 $2,543,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $14,062
- Property tax
- $1,253
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $15,315
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $65,950
- Toronto municipal land transfer tax
- $67,740
- Estimated closing costs
- $133,690
Plus your down payment of $635,800. 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
- $843,707
- Principal paid down
- $310,732
- Interest paid
- $532,975
- Balance remaining
- $2,232,468
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 ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTATE. MLS®/PropTx.