115 Winter Gardens Trail, Toronto, ON
Rouge E10, Toronto · MLS® E13737282
About this home
In short
- A detached home under $900K in Rouge with room to make it your own.
- A renovated home on the same street recently sold for $1.02M, making this an interesting opportunity for buyers who would rather renovate to their own taste than pay...
- Inside, you'll find a sunken living room with hardwood floors and French doors to the backyard, a separate dining room, eat-in kitchen and three good-sized bedrooms...
- The home needs updating, but some of the expensive work is already done with a new furnace and central air conditioner in 2025.
- A solid home, a great neighbourhood and plenty of potential to build value over time.
A detached home under $900K in Rouge with room to make it your own. Welcome to 115 Winter Gardens Trail, a 5-level backsplit offering approximately 1,880 sq ft across its main, upper and lower levels, with 3 bedrooms, 3 bathrooms and a surprisingly spacious family-friendly layout. A renovated home on the same street recently sold for $1.02M, making this an interesting opportunity for buyers who would rather renovate to their own taste than pay the premium for someone else's finishes.Inside, you'll find a sunken living room with hardwood floors and French doors to the backyard, a separate dining room, eat-in kitchen and three good-sized bedrooms, including a primary with walk-in closet and ensuite. The lower level adds a large rec room with fireplace, built-in shelving and a separate entrance, plus a workshop/utility area with plenty of storage.The home needs updating, but some of the expensive work is already done with a new furnace and central air conditioner in 2025. Private driveway, garage and parking for three vehicles. Set on a quiet, established street close to GO Transit, schools, parks and the Lake Ontario waterfront trail. A solid home, a great neighbourhood and plenty of potential to build value over time.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E13737282
- Bedrooms
- 3
- Bathrooms
- 3 (2 half)
- Size
- 1100-1500 sq ft
- Lot
- 30 × 109.8 ft
- Cross streets
- Port Union and Lawrence
- Parking
- 1.5 garage · 3 parking (built-in)
- Driveway
- Private Double
- Basement
- Partially Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,840 / 2025
- Days on market
- 47
- Listing brokerage
- IRISE
Rooms
eat-in kitchen · tile floor · stainless steel appl
window · vinyl floor · closet
Concrete Floor
window · vinyl floor · closet
closet · tile floor
walk-in closet(s) · ensuite bath · window
above grade window · vinyl floor
sunken room · walk-out · french doors
large window · hardwood floor
No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.
Considering this property? Request a written price readThe assigned public school is Sir Oliver Mowat Collegiate Institute. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market.
Per square foot, these ask about $666/sqft; this home lists at $692/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesNeighbourhood & location
Rouge E10, Toronto, ON
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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.
Also nearby: 6 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.34% via Ratehub.ca (as of October 19, 2026); conventional rates run a little higher.
Mortgage amount $719,999 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,981
- Property tax
- $403
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,384
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,475
- Toronto municipal land transfer tax
- $14,475
- Estimated closing costs
- $28,950
Plus your down payment of $180,000. 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
- $238,860
- Principal paid down
- $87,971
- Interest paid
- $150,889
- Balance remaining
- $632,029
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 IRISE. MLS®/PropTx.