44 Russell Street, Toronto, ON
University, Toronto · MLS® C14082704
About this home
In short
- Beautifully renovated and architecturally reimagined, this Harbord Village Victorian seamlessly blends historic character with striking contemporary design.
- The restored façade opens to thoughtfully curated interiors, where high ceilings and warm hardwood floors create a timeless backdrop.
- At the heart of the home, a magazine-worthy Bulthaup kitchen features high end European appliances, an induction cooktop, a generous centre island, heated floors, and...
- A dramatic wall of glass frames the private garden retreat, while a main floor powder room adds everyday convenience.
- A newly renovated bathroom completes the upper level, while private two-car parking off the lane offers a welcome urban luxury.
Beautifully renovated and architecturally reimagined, this Harbord Village Victorian seamlessly blends historic character with striking contemporary design. The restored façade opens to thoughtfully curated interiors, where high ceilings and warm hardwood floors create a timeless backdrop. At the heart of the home, a magazine-worthy Bulthaup kitchen features high end European appliances, an induction cooktop, a generous centre island, heated floors, and expansive floor-to-ceiling custom cabinetry. A dramatic wall of glass frames the private garden retreat, while a main floor powder room adds everyday convenience. Upstairs, the bright primary bedroom features plenty of closet space, while two additional bedrooms offer flexibility for family, guests or a home office. A newly renovated bathroom completes the upper level, while private two-car parking off the lane offers a welcome urban luxury. Set on a quiet, tree-lined street, the home is just moments from Harbord Village's beloved cafés, restaurants, independent shops and galleries. Kensington Market, Yorkville, the University of Toronto, Queen's Park, major hospitals, transit and excellent schools, including Lord Lansdowne French Immersion, are all close at hand. An exceptional opportunity to own a distinctive Victorian in one of Toronto's most cherished neighbourhoods.
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- C14082704
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 17.08 × 114 ft
- Cross streets
- Spadina / College
- Parking
- 2 parking
- Driveway
- Lane
- Basement
- Full, Unfinished
- Heating
- Heat Pump
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick Front
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $8,279 / 2026
- Days on market
- 4
- Listing brokerage
- FOREST HILL REAL ESTATE INC.
Rooms
hardwood floor · closet · window
hardwood floor · closet · window
hardwood floor · skylight · window
centre island · heated floor · w/o to garden
bay window · crown moulding · hardwood floor
window · hardwood floor · open concept
Hardwood Floor
Listed at $1,749,000, about 12% above our estimate of $1.57M (homes like it typically land between $1.47M and $1.64M).
Why $1.57M. The typical semi-detached home sold in University over the past year went for about $1.57M (18 sales). What sets this one apart:
- ▲ Raises itThe listing describes it as fully renovated or newly built.
- ▲ Raises it slightlyIts lot is 17 by 114 ft; the typical lot sold here is 17 by 103.
Total price vs nearby homes. Fair value about $1.57M, learned from recent GTA sales.
The market behind the math:
About 5.3 months of inventory: 7 semi-detached homes for sale in the area against 4 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $999/sqft against an area asking average of $889/sqft.
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 12 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.46M. Condition and finishes remain an in-person call.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Heated floors: comfort and a premium-finish signal. Lifestyle
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- 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
The assigned public school is King Edward Junior and Senior Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Read this with carewhy it’s an estimate, not an appraisal
There were not many closely comparable homes right in University, so I widened the search to the surrounding area.
Based on 12 comparable homes that sold in University over the past two years, from 33 closings there.
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 semi-detached listings on the market. Homes like this one have recently closed around $1.57M, which is where my estimate comes from.
Per square foot, these ask about $874/sqft; this home lists at $999/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 7 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
University, 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 20, 2026); conventional rates run a little higher.
Mortgage amount $1,399,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,736
- Property tax
- $690
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,426
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $31,455
- Toronto municipal land transfer tax
- $31,455
- Estimated closing costs
- $62,910
Plus your down payment of $349,800. 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
- $464,185
- Principal paid down
- $170,956
- Interest paid
- $293,229
- Balance remaining
- $1,228,244
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 numbersThe last 17 whole-home leases in University signed at a median of $4,529 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $5,303. 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 FOREST HILL REAL ESTATE INC.. MLS®/PropTx.