103 Kalmar Avenue, Toronto, ON
Birchcliffe-Cliffside, Toronto · MLS® E13162232
About this home
Spectacular Design Combined With Highend Finishes Throughout. This 2 Storey Home Is Truly Impressive Inside & Out. Located In A Great Pocket Within A Desirable Neighbourhood. Stone And Stucco Exterior, Combined With A Completely Open Concept Main Floor And Large Bedrooms Are An End Users' Dream Layout. Stunning Magazine Quality Kitchen With Custom Cabinetry, Built-In Range Hood, Pantry, Giant Infinity Island, And Highend Appliances. The Family Room Features Wall-To-Wall Custom Built-Ins With Stone And Wood Details. Custom Oak Millwork And White Oak Engineered Hardwood Floors Throughout Are Timeless. Walk Through The Oversized Back Sliding Doors To Your Own Private Oasis. The Backyard Is Finished With A Custom Deck, Built-In Seating, Landscaped Patio, Gazebo With Saloon Style Bar Doors, And An Epoxied Live Edge Bartop Slab. Ready For Entertaining And Fun In The Sun This Summer! The Second Floor Features Three Family Sized Bedrooms, Three Bathrooms, And Laundry Room. The Primary Bedroom Checks All The Boxes With A Massive Walk-In Closet And A Spa Like 5pc Ensuite Bathroom That Features Natural Stone Tiling, Double Vanity, Freestanding Soaker Tub, And XL Rain Head Shower. Possible Nanny Suite In The Basement With A Separate Entrance, Second Laundry Room, Bedroom, Den, Full Bathroom, And A Large Recreation Room With Tall Ceilings And Roughed-In Wet Bar.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13162232
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 5 (1 half)
- Size
- 2000-2500
- Lot
- 30 × 130 ft
- Cross streets
- Warden Ave & Freeman St
- Parking
- 2 parking
- Driveway
- Private, Available
- Basement
- Finished, Separate Entrance, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Stucco (Plaster)
- Foundation
- Concrete
- Roof
- Asphalt Rolled
- Sewer
- Sewer
- Days on market
- 62
- Listing brokerage
- SUTTON GROUP - SUMMIT REALTY INC.
Rooms
large window · vinyl floor · 3 pc bath
hardwood floor · 4 pc bath · large window
hardwood floor · open concept · pot lights
w/o to deck · hardwood floor · b/i shelves
hardwood floor · 4 pc ensuite · large window
vinyl floor · b/i bar
vinyl floor · formal rm
family size kitchen · custom backsplash · centre island
Tile Floor
2 Pc Bath
hardwood floor · open concept · combined w/living
hardwood floor · 5 pc ensuite · walk-in closet(s)
Listed at $1,595,000, and my independent estimate is within the range of comparable homes, on the higher side.
In Birchcliffe-Cliffside lately, sellers get about 101% of asking; homes sell in ~16 days.
Total price vs nearby homes. Fair value about $1.40M, median of 20 comparables.
How this estimate is builtthe short version
I take the 20 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, and standout features), then use the median, which is steadier than leaning on any single sale.
It’s grounded in recent closing prices, not asking prices. Lot, condition, and finishes are my 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.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Open-concept layout: modern, sought-after flow. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
- Sold as-is / needs work: budget for renovation, the price should reflect the condition. Weigh carefully
Schools & getting aroundcatchment and transit
The assigned public school is Birch Cliff Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Based on 20 comparable homes that recently sold nearby.
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 4% above the area average of $680/sqft.
61 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Birchcliffe-Cliffside, 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.
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 24, 2026); conventional rates run a little higher.
Mortgage amount $1,276,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,809
- Property tax
- $997
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,806
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $28,375
- Toronto municipal land transfer tax
- $28,375
- Estimated closing costs
- $56,750
Plus your down payment of $319,000. 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
- $408,553
- Principal paid down
- $162,499
- Interest paid
- $246,054
- Balance remaining
- $1,113,501
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 SUTTON GROUP - SUMMIT REALTY INC.. MLS®/PropTx.