2904 St Clair Avenue, Toronto, ON
O'Connor-Parkview, Toronto · MLS® E12835020
About this home
Well kept multiplex with 8 apartments, three 3 bedrooms and five 1 bedroom apartments plus detached double garage. Spacious units with mostly hardwood and laminate floors. TTC at doorstep and minutes to subway, schools, shopping and churches. Landlord current pays Hydro and gas. Hydro meters in place for units but needed to be sanctioned by Hydro for hook up. Fire inspection is up to date. Renovated with doors compliant to fire code. Potential net income $87000/annum. Some units are currently below market with potential for future increase once the tenants move out.
Key facts
- Property type
- Other, 3-Storey
- MLS®
- E12835020
- Bedrooms
- 14
- Bathrooms
- 8
- Size
- 5,000 sq ft
- Lot
- 59.07 × 108.38 ft
- Cross streets
- O'Connor / St Clair Ave
- Parking
- 2 garage · 7 parking (detached)
- Basement
- None
- Heating
- Radiant
- A/C
- None
- Exterior
- Brick Veneer, Concrete
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $14,200 / 2025
- Days on market
- 138
- Listing brokerage
- HOMELIFE CULTURELINK REALTY INC.
Heads up: the asking price here sits well below what comparable listings suggest. In this market that usually means it is priced to draw multiple offers, so plan for competition and a final number above asking. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairOn schools, this address is zoned for Selwyn Elementary School, one of the higher-rated public schools in the area. A strong catchment tends to hold value and widen your resale pool, especially with family buyers.
On location, this is a more car-dependent spot, so buyers here typically drive. Transit is limited nearby. Worth weighing if transit access matters to you.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
- Lifestyle
137 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
O'Connor-Parkview, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Car-DependentA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Almost all errands require a car.
Within a 15-minute (1.5 km) walk.
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.
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 3.99% via Ratehub.ca (as of July 18, 2026); conventional rates run a little higher.
Mortgage amount $1,680,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $8,965
- Property tax
- $1,183
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $10,148
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $38,975
- Toronto municipal land transfer tax
- $38,975
- Estimated closing costs
- $77,950
Plus your down payment of $420,000. 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
- $537,906
- Principal paid down
- $213,948
- Interest paid
- $323,958
- Balance remaining
- $1,466,052
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 HOMELIFE CULTURELINK REALTY INC.. MLS®/PropTx.