20 Pine Avenue, Toronto, ON
The Beaches, Toronto · MLS® E13536676
About this home
Welcome to Pine Ave in the heart of the Beach. The space in this home is tough to match in other Beach semis. When was the last time you could tick all of these boxes? An entryway closet for coats, a proper linen closet, large double closets in every bedroom, main floor 2 pc bath that isn't in your kitchen, 2 car private drive, a garage that fits an additional car, your very own primary ensuite bath, oversized square rooms, large yard and literally steps to one of the most sought after public schools in the east end. This is it! 20 Pine has 3 generous bedrooms and is situated on a deep 135ft lot where your long term growth opportunities here are endless. The private driveway fits 2 cars and one in the garage - yes, you read that right - a garage and parking for 3. Owned by the same family since it was built, this home has been celebrated for decades. The main floor features an open concept kitchen/dining area with stainless appliances, gas cooktop, retractable hood fan and a front balcony perched in the trees where you can watch the world go by. The extra large living room is complimented by a wood burning fireplace, 2 pc bath and a walk-out to a large entertainers deck and spacious fenced yard. The second floor features a king-sized primary bedroom with ensuite bath, wall to wall closets and hardwood floors. Your other 2 bedrooms also feature hardwood floors and double closets. High ceilings and above grade large windows in the basement make for the perfect rec room. Conveniently situated close to Queen St, the lake, all the Beach has to offer and just down the road from Kingston Road Village shops, restaurants and the YMCA - the location is supberb. Balmy Beach, Malvern, St. Denis school catchments. Don't be surprised if the local pups want to stop in for a treat at this fabulous property. Open House Saturday and Sunday.
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- E13536676
- Bedrooms
- 3
- Bathrooms
- 3 (2 half)
- Size
- 1100-1500
- Lot
- 18 × 135.26 ft
- Cross streets
- Beech Ave & Queen Street
- Parking
- 1 garage · 3 parking (built-in)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete Block
- Roof
- Flat
- Sewer
- Sewer
- Property tax
- $6,953 / 2026
- Days on market
- 9
- Listing brokerage
- ROYAL LEPAGE ESTATE REALTY
Rooms
Broadloom
granite counters · walk-out · breakfast bar
california shutters · hardwood floor · double closet
broadloom · above grade window
double closet · overlooks frontyard · hardwood floor
fireplace · hardwood floor · w/o to deck
hardwood floor · combined w/dining
w/w closet · hardwood floor · california shutters
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. 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 Balmy Beach Community 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 very walkable address with everyday errands close by. Kingston Rd at Beech Ave is about a 5-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
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.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Primary suite: a key comfort and resale feature.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Worth verifying
- Lifestyle
- Value driver
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% above the area average of $951/sqft.
5 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
The Beaches, 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: Kingston Rd at Beech Ave, about 437 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
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 17, 2026); conventional rates run a little higher.
Mortgage amount $1,223,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,531
- Property tax
- $579
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,111
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $27,073
- Toronto municipal land transfer tax
- $27,073
- Estimated closing costs
- $54,146
Plus your down payment of $305,980. 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
- $391,877
- Principal paid down
- $155,867
- Interest paid
- $236,011
- Balance remaining
- $1,068,053
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 ROYAL LEPAGE ESTATE REALTY. MLS®/PropTx.