98 Natal Avenue, Toronto, ON
Birchcliffe-Cliffside, Toronto · MLS® E13471362
About this home
This spacious 3+1 Bedrooms 3 washrooms home is a hidden gem in the Cliffside Village community. Updated 2 Kitchens, 3 Washrooms, New Engineered Hardwood floor, New Paint, Up stair Stack Laundry and basement has another laundry. It boasts a prime location, backing onto Natal Park and just a few steps from the Go Train. With two large dormers on the upper level and a rear kitchen addition, this home has character and charm. It features three bathrooms, and 1 bedroom and separate living room(used to be a bedroom) and seperate kitchen finished basement an expected to be legal apartment as per seller with separate entrance that provides plenty of additional living space. The huge private lot measures 45 x 150 feet, providing ample room for outdoor activities and relaxation. Recently updated roof and furnace provide peace of mind. Its location is hard to beat, with good schools, TTC, shopping, and bluffs all within easy reach. Plus, it's only a 20-minute commute to downtown. You will want to take advantage of this one of-a-kind opportunity to create your dream home. Metal roof, no need to replace any more. Permit from the City for the legal basement apartment expected to be closed before the closing day.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- E13471362
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 3
- Size
- 1100-1500
- Lot
- 45 × 149.66 ft
- Cross streets
- Midland Ave/Kingston Rd
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Apartment, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $4,607 / 2025
- Days on market
- 27
- Listing brokerage
- REALTY 21 INC.
Rooms
hardwood floor · closet · large window
ceramic floor · modern kitchen · quartz counter
hardwood floor · closet · window
hardwood floor · closet · window
laminate · closet · window
hardwood floor · open concept · large window
hardwood floor · separate room · large window
Listed at $848,800, this home is tracking about 20% 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 31 similar homes nearby, adjusted for size, beds, and baths.Median of 31 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.03M, a close match. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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 $1.90M
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $1.95M
That comparable adjusts to $1.95M; the $1.07M estimate above is the median of all 31 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 R H King Academy. 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 very walkable address with everyday errands close by. Park St at Sharpe St is about a 4-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $1.07M, median of 31 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.
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- 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 8 active listings nearby.
See all comparable homesThis home lists 24% below the area average of $864/sqft.
26 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.
Getting around
Very WalkableA 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.
Most daily errands can be done on foot.
🚉 Nearest transit: Park St at Sharpe St, about 339 m away
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
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 $679,040 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,624
- Property tax
- $384
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,008
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,451
- Toronto municipal land transfer tax
- $13,451
- Estimated closing costs
- $26,902
Plus your down payment of $169,760. 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
- $217,417
- Principal paid down
- $86,476
- Interest paid
- $130,941
- Balance remaining
- $592,564
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 REALTY 21 INC.. MLS®/PropTx.