20 Kildonan Drive, Toronto, ON
Birchcliffe-Cliffside, Toronto · MLS® E13843028
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About this home
In short
- Some homes offer more bedrooms.
- This rare detached 2.5-storey residence offers 2,622 sq. ft. across the main, second and third floors, plus a fully finished basement apartment - over 3,800 sq. ft....
- The second floor hosts a private primary retreat with ensuite, walk-in closet and an impressive 18-ft balcony, plus two additional bedrooms and convenient...
- 2-bedroom basement apartment with separate entrance, full kitchen and its own laundry - ideal for extended family, independent living or income potential.
- Outside, a private backyard with multiple seating areas awaits summer evenings with family and friends.
Some homes offer more bedrooms. Some offer a better location. Few offer both. Steps from the Lake Ontario waterfront in sought-after Birchcliffe-Cliffside, 20 Kildonan Drive delivers exceptional space and flexibility on a generous 30 x 130 ft lot. This rare detached 2.5-storey residence offers 2,622 sq. ft. across the main, second and third floors, plus a fully finished basement apartment - over 3,800 sq. ft. of total finished living space. The sun-filled main home features 5 bedrooms and 3.5 bathrooms, ideal for growing and multi-generational families. The expansive main floor flows seamlessly between the living, dining and family rooms, with the family room overlooking the backyard. The second floor hosts a private primary retreat with ensuite, walk-in closet and an impressive 18-ft balcony, plus two additional bedrooms and convenient second-floor laundry. The third level adds two more generous bedrooms, a full bath and a bright skylit sunroom - perfect as a reading nook or work-from-home escape. Adding even more versatility: a fully self-contained 1,186 sq. ft. 2-bedroom basement apartment with separate entrance, full kitchen and its own laundry - ideal for extended family, independent living or income potential. Outside, a private backyard with multiple seating areas awaits summer evenings with family and friends. Walk to the Waterfront Trail, Crescentwood Park, Rosetta McClain Gardens and Hunt Club Golf Course. Kingston Road cafes, restaurants and shops are nearby, while excellent schools, TTC access and convenient commuting routes keep you connected. Updated with a tankless water heater (2026), A/C (2023), and new fridge and stove (2022), this move-in-ready home is a rare find in one of Toronto's most desirable lakeside neighbourhoods.
Key facts
- Property type
- Detached, 2 1/2 Storey
- MLS®
- E13843028
- Bedrooms
- 5+2 (7 total)
- Bathrooms
- 5 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 30.07 × 130 ft
- Cross streets
- Warden Ave & Kingston Rd.
- Parking
- 4 parking
- Driveway
- Mutual
- Basement
- Apartment, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stucco (Plaster), Stone
- Foundation
- Poured Concrete, Concrete Block
- Roof
- Asphalt Shingle, Rolled
- Sewer
- Sewer
- Property tax
- $5,384 / 2025
- Days on market
- 18
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
laminate · above grade window
combined w/living · stainless steel appl · laminate
hardwood floor · w/o to deck · casement windows
large window · hardwood floor · overlooks frontyard
5 pc ensuite · walk-in closet(s) · w/o to balcony
mirrored closet · overlooks backyard · hardwood floor
skylight · hardwood floor · semi ensuite
hardwood floor · skylight · overlooks backyard
hardwood floor · pot lights · large window
skylight · hardwood floor
laminate · above grade window · french doors
laminate · mirrored closet · above grade window
combined w/kitchen · laminate · electric fireplace
mirrored closet · casement windows · hardwood floor
laminate · above grade window
breakfast bar · stainless steel appl · custom backsplash
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readThe 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.
Neighbourhood & location
Birchcliffe-Cliffside, Toronto, ON
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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 $1,119,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,188
- Property tax
- $449
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,637
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $24,455
- Toronto municipal land transfer tax
- $24,455
- Estimated closing costs
- $48,910
Plus your down payment of $279,800. 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
- $371,295
- Principal paid down
- $136,746
- Interest paid
- $234,549
- Balance remaining
- $982,454
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 RIGHT AT HOME REALTY. MLS®/PropTx.