28 Fermoy Road, Toronto, ON
Cliffcrest, Toronto · MLS® E13834780
About this home
In short
- Welcome to 28 Fermoy Road.
- A rare raised-ranch bungalow in the sought-after Cliffcrest community, situated on a beautiful oversized 56 x 99.66 ft corner lot with a double car garage.
- The eat-in kitchen was completely renovated in 2023 and features quartz countertops, abundant cabinetry and generous preparation space.
- The spacious basement features large rooms and a 4-piece bathroom, offering excellent flexibility for a growing family, teenagers or guests.
- The spacious corner lot provides plenty of outdoor space and added privacy, while the double garage offers excellent parking and storage.
Welcome to 28 Fermoy Road! A rare raised-ranch bungalow in the sought-after Cliffcrest community, situated on a beautiful oversized 56 x 99.66 ft corner lot with a double car garage. Bright and spacious throughout, this home offers generous principal rooms, a functional layout and excellent potential for families, multi-generational living or those looking for additional living space. The eat-in kitchen was completely renovated in 2023 and features quartz countertops, abundant cabinetry and generous preparation space. Two separate walkouts provide excellent access to the outdoors, including a patio door from the dining room and a secondary entrance to the lower level from the rear of the property. The spacious basement features large rooms and a 4-piece bathroom, offering excellent flexibility for a growing family, teenagers or guests. Numerous updates include a new fence and electrical panel (2023), front door and windows (2017), and roof (2014). The spacious corner lot provides plenty of outdoor space and added privacy, while the double garage offers excellent parking and storage. Located on a quiet, family-friendly street in the heart of Cliffcrest, close to R.H. King Academy and other excellent schools, parks, trails and the beautiful and scenic Scarborough Bluffs are just minutes away. Enjoy easy access to Kingston Road's shops, restaurants and everyday amenities, with the GO Station nearby for a convenient commute downtown. A wonderful opportunity to own a spacious family home in one of Scarborough's established and highly desirable neighbourhoods.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- E13834780
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 2
- Size
- 1100-1500 sq ft
- Lot
- 56 × 99.66 ft
- Cross streets
- St. Clair and Kingston road
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Separate Entrance, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,706 / 2025
- Days on market
- 21
- Listing brokerage
- RE/MAX HALLMARK REALTY LTD.
Rooms
broadloom · 4 pc bath · closet
hardwood floor · closet · window
hardwood floor · picture window · open concept
renovated · quartz counter · eat-in kitchen
broadloom · window · closet
hardwood floor · double closet · window
hardwood floor · closet · window
hardwood floor · w/o to patio · crown moulding
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 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.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $705/sqft; this home lists at $699/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Cliffcrest, 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: 12 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 20, 2026); conventional rates run a little higher.
Mortgage amount $727,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,021
- Property tax
- $392
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,413
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,655
- Toronto municipal land transfer tax
- $14,655
- Estimated closing costs
- $29,310
Plus your down payment of $181,800. 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
- $241,249
- Principal paid down
- $88,850
- Interest paid
- $152,398
- Balance remaining
- $638,350
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 RE/MAX HALLMARK REALTY LTD.. MLS®/PropTx.