20 Kildonan Drive, Toronto, ON
Birchcliffe-Cliffside, Toronto · MLS® E13429288
About this home
Some homes offer more bedrooms. Some offer a better location. Few offer both. Steps from the Lake Ontario waterfront in sought-after Birchcliffe-Cliffside, 20 Kildonan Drive delivers exceptional space and flexibility on a generous 30 x 130 ft lot. This rare detached 2.5-storey residence offers 2,622 sq. ft. across the main, second and third floors, plus a fully finished basement apartment - over 3,800 sq. ft. of total finished living space. The sun-filled main home features 5 bedrooms and 3.5 bathrooms, ideal for growing and multi-generational families. The expansive main floor flows seamlessly between the living, dining and family rooms, with the family room overlooking the backyard. The second floor hosts a private primary retreat with ensuite, walk-in closet and an impressive 18-ft balcony, plus two additional bedrooms and convenient second-floor laundry. The third level adds two more generous bedrooms, a full bath and a bright skylit sunroom - perfect as a reading nook or work-from-home escape. Adding even more versatility: a fully self-contained 1,186 sq. ft. 2-bedroom basement apartment with separate entrance, full kitchen and its own laundry - ideal for extended family, independent living or income potential. Outside, a private backyard with multiple seating areas awaits summer evenings with family and friends. Walk to the Waterfront Trail, Crescentwood Park, Rosetta McClain Gardens and Hunt Club Golf Course. Kingston Road cafés, restaurants and shops are nearby, while excellent schools, TTC access and convenient commuting routes keep you connected. Updated with a tankless water heater (2026), A/C (2023), and new fridge and stove (2022), this move-in-ready home is a rare find in one of Toronto's most desirable lakeside neighbourhoods.
Key facts
- Property type
- Detached, 2 1/2 Storey
- MLS®
- E13429288
- Bedrooms
- 7 (5 + 2)
- Bathrooms
- 5 (1 half)
- Size
- 2500-3000
- Lot
- 30.07 × 130 ft
- Cross streets
- Warden Ave & Kingston Rd.
- Parking
- 4 parking
- Driveway
- Mutual
- Basement
- Apartment, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stucco (Plaster), Stone
- Foundation
- Poured Concrete, Concrete Block
- Roof
- Asphalt Shingle, Rolled
- Sewer
- Sewer
- Property tax
- $5,384 / 2025
- Days on market
- 39
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
combined w/kitchen · laminate · electric fireplace
laminate · above grade window · french doors
hardwood floor · skylight · overlooks backyard
large window · hardwood floor · overlooks frontyard
5 pc ensuite · walk-in closet(s) · w/o to balcony
combined w/living · stainless steel appl · laminate
laminate · mirrored closet · above grade window
skylight · hardwood floor · semi ensuite
hardwood floor · pot lights · large window
mirrored closet · casement windows · hardwood floor
laminate · above grade window
skylight · hardwood floor
breakfast bar · stainless steel appl · custom backsplash
mirrored closet · overlooks backyard · hardwood floor
hardwood floor · w/o to deck · casement windows
laminate · above grade window
Listed at $1,799,000, this home is tracking about 26% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 54 similar homes nearby, adjusted for size, beds, and baths.Median of 54 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.19M, lower than the comparables and worth a second look.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $1.54M
- Bedrooms +$90K
- Bathrooms −$15K
- Adjusts to $1.61M
That comparable adjusts to $1.61M; the $2.43M estimate above is the median of all 54 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
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.
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.
Total price vs nearby homes. Fair value about $2.43M, median of 54 comparables.
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.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Primary suite: a key comfort and resale feature.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Income potential
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 7 active listings nearby.
See all comparable homesThis home lists 25% below the area average of $876/sqft.
37 days longer than the Toronto average (2 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.
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 20, 2026); conventional rates run a little higher.
Mortgage amount $1,439,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,680
- Property tax
- $449
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,129
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $32,455
- Toronto municipal land transfer tax
- $32,455
- Estimated closing costs
- $64,910
Plus your down payment of $359,800. 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
- $460,806
- Principal paid down
- $183,282
- Interest paid
- $277,524
- Balance remaining
- $1,255,918
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 RIGHT AT HOME REALTY. MLS®/PropTx.