12 St. James Court, Toronto, ON
Cabbagetown-South St. James Town, Toronto · MLS® C14088644
About this home
In short
- Walk to the end of historic Wellesley Street and you'll find a quiet court tucked away from it all.
- This is 12 St James Court, and it's the kind of address you'll want to keep to yourself.
- Hardwood runs throughout, and the electrical has been fully upgraded, so the peace of mind goes deeper than the finishes.
- The primary suite has a 3-piece ensuite and walk-in closet, and the second bedroom is generously sized.
- The finished lower level adds a third bedroom and walks out to a private backyard oasis, a rare find for downtown living.
Walk to the end of historic Wellesley Street and you'll find a quiet court tucked away from it all. This is 12 St James Court, and it's the kind of address you'll want to keep to yourself.This is Cabbagetown. Saturday mornings at Riverdale Farm, evening walks through Riverdale Park, and a short stroll to local shops and restaurants where people actually know your name. Transit and the DVP are minutes away, so downtown living comes without the noise.Inside, the home has been completely transformed, top to bottom. Every room was rethought and every finish chosen with purpose. The kitchen has quartz countertops and room to cook and gather, and the living room is anchored by a wood-burning fireplace with a walkout to the deck. Hardwood runs throughout, and the electrical has been fully upgraded, so the peace of mind goes deeper than the finishes.Upstairs, skylights pour natural light across the second floor. The primary suite has a 3-piece ensuite and walk-in closet, and the second bedroom is generously sized. The finished lower level adds a third bedroom and walks out to a private backyard oasis, a rare find for downtown living.Nearly 2,200 square feet, move-in ready, in one of Toronto's most loved neighbourhoods. Some homes get a refresh. This one got a total transformation.
Key facts
- Property type
- Townhouse, 2-Storey
- MLS®
- C14088644
- Bedrooms
- 2+1 (3 total)
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 14.62 × 98.85 ft
- Cross streets
- Wellesley St E + Sumach St
- Parking
- 1 parking
- Driveway
- Private
- Basement
- Walk-Out, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $8,041 / 2026
- Days on market
- 3
- Listing brokerage
- REAL BROKER ONTARIO LTD.
Rooms
hardwood floor · raised floor
backsplash · eat-in kitchen · quartz counter
large window · large closet
3 pc ensuite · large window · large closet
cork floor · walk-out
fireplace · w/o to deck · hardwood floor
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 Sprucecourt Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest townhouse listings on the market.
Per square foot, these ask about $869/sqft; this home lists at $711/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Cabbagetown-South St. James Town, 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
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 $1,279,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,073
- Property tax
- $670
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,743
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $28,455
- Toronto municipal land transfer tax
- $28,455
- Estimated closing costs
- $56,910
Plus your down payment of $319,800. 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
- $424,375
- Principal paid down
- $156,295
- Interest paid
- $268,080
- Balance remaining
- $1,122,905
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 REAL BROKER ONTARIO LTD.. MLS®/PropTx.