495 Roxton Road, Toronto, ON
Palmerston-Little Italy, Toronto · MLS® C13886498
About this home
In short
- Welcome to 495 Roxton Road, a fully updated two-storey home on one of the city's most sought-after streets.
- This two-bedroom, two-bathroom home has been renovated from top to bottom and is ready to move into.
- Hardwood runs through the main living areas, and LED pot lights brighten every room.
- The finished basement has new vinyl flooring and is protected by waterproofing and a sump pump.
- When you want to get away from it all, the private backyard has a perennial garden and a pergola, so you can relax outside or host friends on summer evenings.
Welcome to 495 Roxton Road, a fully updated two-storey home on one of the city's most sought-after streets. This two-bedroom, two-bathroom home has been renovated from top to bottom and is ready to move into.The updated kitchen has white shaker cabinetry, quartz counters and a gas range, so it works well for everyday cooking and for having people over. Hardwood runs through the main living areas, and LED pot lights brighten every room. The finished basement has new vinyl flooring and is protected by waterproofing and a sump pump.There's also a large garage, an irrigation system, and a mud room (yes, a mud room). After a rainy commute or a snowy Toronto winter, you'll be glad to have it.The home sits in the centre of the city. Bloor Street's restaurants, cafés and shops are a couple of minutes away on foot, and Ossington Station is a five-minute walk. You can bike to almost anything.When you want to get away from it all, the private backyard has a perennial garden and a pergola, so you can relax outside or host friends on summer evenings.Why buy a cookie-cutter condo with high maintenance fees when you could live here?
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- C13886498
- Bedrooms
- 2+1 (3 total)
- Bathrooms
- 2 (1 half)
- Size
- 700-1100 sq ft
- Lot
- 14.5 × 121 ft
- Cross streets
- Bloor St West & Shaw St
- Parking
- 1 garage (detached)
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Vinyl Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle, Membrane
- Sewer
- Sewer
- Property tax
- $6,847 / 2025
- Days on market
- 8
- Listing brokerage
- HARVEY KALLES REAL ESTATE LTD.
Listed at $898,000, about 33% below our estimate of $1.35M (homes like it typically land between $1.26M and $1.41M).
Why $1.35M. The typical semi-detached home sold in Palmerston-Little Italy over the past year went for about $1.38M (44 sales). What sets this one apart:
- ▼ Lowers it stronglyIt is 700 to 1,100 sq ft; the typical home sold here is 1,500 to 2,000.
- ▲ Raises itThe listing describes it as fully renovated or newly built.
- ▼ Lowers itIts tax bill, which follows the city's own assessment, is $6,847 a year; the typical home sold here pays about $7,600.
- ▼ Lowers it2+1 bedrooms and 2 baths, against 4+1 and 3 typically.
Total price vs nearby homes. Fair value about $1.35M, learned from recent GTA sales.
The market behind the math:
About 4.5 months of inventory: 18 semi-detached homes for sale in the area against 12 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $998/sqft against an area asking average of $967/sqft.
- Walk-out basement apartment features. A finished 1 bed walk-out basement apartment. A self-contained space for extended family, guests or potential income. A self-contained lower level is a premium that comparable-sales math under-prices, so read the estimate as a floor. 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 6 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.10M. 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Schools & getting aroundcatchment and transit
Its public catchment (King Edward Junior and Senior Public School) 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
Below comparable homes on total price, yet the price per square foot ($998/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
The listing states size as a wide range, so the size adjustment is approximate and this estimate is a rough read. I can confirm exact square footage to tighten it.
There were not many closely comparable homes right in Palmerston-Little Italy, so I widened the search to the surrounding area.
Based on 9 homes sold on this street over the past two years, from 88 closings in Palmerston-Little Italy.
For sale
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For saleNothing closely matching this home is listed nearby right now, so these are the nearest semi-detached listings on the market. Homes like this one have recently closed around $1.35M, which is where my estimate comes from.
Per square foot, these ask about $881/sqft; this home lists at $998/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 semi-detached homes in Toronto: $1.12M in September 2026, up 2% from a year ago, on 2,409 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Toronto as a whole: the neighbourhood alone has too few closings for a line of its own.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.08M | 252 |
| November 2025 | $1.03M | 207 |
| December 2025 | $967K | 117 |
| January 2026 | $997K | 100 |
| February 2026 | $1.09M | 151 |
| March 2026 | $1.18M | 180 |
| April 2026 | $1.18M | 242 |
| May 2026 | $1.18M | 282 |
| June 2026 | $1.21M | 262 |
| July 2026 | $999K | 237 |
| August 2026 | $970K | 166 |
| September 2026 | $1.12M | 213 |
Neighbourhood & location
Palmerston-Little Italy, 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
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 $718,400 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,972
- Property tax
- $571
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,543
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,435
- Toronto municipal land transfer tax
- $14,435
- Estimated closing costs
- $28,870
Plus your down payment of $179,600. 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
- $238,329
- Principal paid down
- $87,775
- Interest paid
- $150,554
- Balance remaining
- $630,625
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.
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.