65 Harding Boulevard, Toronto, ON
Birchcliffe-Cliffside, Toronto · MLS® E13584030
About this home
Welcome to 65 Harding Blvd - a beautifully updated Birch Cliff family home tucked away south of Kingston Road and on an exceptional 30 x 150 ft lot. Thoughtfully maintained and extensively improved, this 3+1 bedroom, 2 bathroom home strikes the perfect balance between character, comfort, and modern functionality. The renovated main floor is anchored by a stunning custom kitchen, complemented by new flooring, generous ceiling height, and an abundance of natural light. It's a space designed for both busy family life and effortless entertaining. Upstairs, you'll find three spacious bedrooms with hardwood floors, including a serene primary retreat with a walkout to a private balcony overlooking the backyard - the perfect spot for a morning coffee or a quiet evening escape. The finished lower level adds valuable living space with a large rec room and fourth bedroom, ideal for guests, a home office, or growing families. Out back is where this property truly shines! Surrounded by mature trees and lush perennial gardens, the professionally landscaped yard feels worlds away from the city. Complete with a beautiful inground pool, it's a private outdoor retreat made for summer afternoons, family gatherings, and entertaining on a grand scale. A Cambridge Stone driveway provides parking for three vehicles, while an extensive list of upgrades - including a new roof, Lennox furnace and A/C, updated electrical, windows, landscaping, pool liner, and more - offers peace of mind for years to come. And when you're ready to leave your own private oasis and venture out, Birch Cliff favourites Corbin's, City Cottage, and the newly opened Bodega are all just a short stroll away. A rare opportunity to own a turnkey family home on one of the neighbourhood's most desirable streets.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13584030
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 30 × 150 ft
- Cross streets
- Birchcliff/Kingston
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle, Membrane
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $6,440 / 2025
- Days on market
- 1
- Listing brokerage
- UNION REALTY BROKERAGE INC.
Rooms
combined w/living · vinyl floor · open concept
fireplace · combined w/dining · vinyl floor
Window
broadloom · window · double closet
hardwood floor · closet · window
hardwood floor · large window · closet
3 pc bath · broadloom · window
hardwood floor · w/o to balcony · overlooks backyard
eat-in kitchen · renovated · w/o to pool
Listed at $1,629,900, this home is about 13% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
In Birchcliffe-Cliffside lately, sellers have been getting about 100% of asking and homes sell in about 19 days.
Based on 80 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 80 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.30M, a close match.
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, sold for $1.15M
- Bedrooms +$30K
- Bathrooms −$15K
- Adjusts to $1.17M
That comparable adjusts to $1.17M; the $1.44M estimate above is the median of all 80 comparables, which is steadier than any single home.This estimate is grounded in actual closing prices from the last 15 months, not asking prices. Lot, condition, and finishes are still my in-person call.
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. Birchcliff Avenue is about a 2-minute walk away. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $1.44M, median of 80 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Recent major systems: lower near-term capital costs, ask for the ages and any warranties.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Value driver
- Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 17% above the area average of $796/sqft.
0 days faster 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
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 — groceries and transit are a drive away.
🚉 Nearest transit: Birchcliff Avenue, about 147 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 22, 2026); conventional rates run a little higher.
Mortgage amount $1,303,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,958
- Property tax
- $537
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,495
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $29,073
- Toronto municipal land transfer tax
- $29,073
- Estimated closing costs
- $58,146
Plus your down payment of $325,980. 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
- $417,492
- Principal paid down
- $166,055
- Interest paid
- $251,438
- Balance remaining
- $1,137,865
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 UNION REALTY BROKERAGE INC.. MLS®/PropTx.