3 Bluewater Avenue, Toronto, ON
Birchcliffe-Cliffside, Toronto · MLS® E13856916
About this home
The Perfect 3+2 Bedroom & 4 Full Bathroom *All Brick Detached Bungalow* Situated On A Premium 54 X 122 Ft Corner Lot* South Of Kingston Rd* Surrounded By Nature & Custom Built Homes* Enjoy Approximately 1,900 Sq Ft Of Total Living Space Including The Finished Basement* Exceptional Outdoor Space Featuring A Fully Fenced* Private Backyard* Mature Trees* Landscaped Gardens & A South-Facing In-Ground Pool W/ Concrete Surround* Endless Possibilities For Outdoor Entertaining, A Pool House, Outdoor Kitchen Or Potential Garden Suite* No Sidewalk* Parking For 3 Vehicles Including A Built-In Garage W/ Additional Storage* Brand New Two-Tone Kitchen W/ Custom Cabinetry* Floor-To-Ceiling Pantry Walls* Porcelain Tile Flooring* Matte Black Subway-Style Backsplash* Undermount Sink* New Stainless Steel Kitchen Appliances* Bright Living & Dining Area W/ Large Window* Crown Moulding* Pot Lights & Feature Fireplace Wall* Spacious Bedrooms W/ Smooth Ceilings* LED Lighting* Generous Closets & Contemporary Black Hardware* Multiple Full Bathrooms Featuring Floor-To-Ceiling Tiling* Glass-Enclosed Showers* Shampoo Niches & Modern Vanities* Finished Basement W/ Separate Entrance, 2 Bedrooms* 2 Full Bathrooms* Kitchenette/Laundry Area & Flexible Storage Space* Concrete Walkway To Separate Entrance W/ Tree-Lined Privacy * Fully Fenced Backyard W/ Armour-Stone Retaining Wall* Prime Cliffside Location Within Walking Distance To Cliffside Ravine Park & Trails* Minutes To The Scarborough Bluffs, Shops & Restaurants Along Kingston Road, Transit & Convenient Access To Downtown Toronto* Must See! Don't Miss*
Key facts
- Property type
- Detached, Bungalow
- MLS®
- E13856916
- Bedrooms
- 3+2 (5 total)
- Bathrooms
- 4
- Size
- 700-1100 sq ft
- Lot
- 54 × 122 ft
- Cross streets
- South of Kingston and Midland
- Parking
- 1 garage · 3 parking (attached)
- Driveway
- Private
- Basement
- Separate Entrance, Finished
- Heating
- Radiant
- A/C
- Other
- Exterior
- Brick, Stone
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $5,264 / 2025
- Days on market
- 18
- Listing brokerage
- HOMELIFE EAGLE REALTY INC.
Rooms
vinyl floor · window · open concept
vinyl floor · closet
vinyl floor · 3 pc ensuite · window
vinyl floor · fireplace · open concept
tile floor · quartz counter · stainless steel appl
vinyl floor · 3 pc ensuite · closet
vinyl floor · window · combined w/living
vinyl floor · window · closet
Listed at $979,900. Going by how homes in Birchcliffe-Cliffside have actually closed against their asking prices (about 98%, 42 local closings in 90 days), the likely sale price is near $963K, if it sells. A realistic range is $902K to $1.09M.
Independent value check: $1.10M. Without looking at the asking price, our model values the home itself about 12% above the ask (homes like it typically land between $1.03M and $1.15M).
Why $1.10M. The typical detached home sold in Birchcliffe-Cliffside over the past year went for about $986K (189 sales). What sets this one apart:
- ▲ Raises itThe listing describes it as fully renovated or newly built.
- ▲ Raises it3+2 bedrooms and 4 baths, against 3+1 and 2 typically.
- ▼ Lowers itIt is 700 to 1,100 sq ft; the typical home sold here is 1,100 to 1,500.
Total price vs nearby homes. Likely closing about $963K, from 42 recent closings in this pocket.
The market behind the math:
About 0.6 months of inventory: 8 detached homes for sale in the area against 42 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $1,089/sqft against an area asking average of $1,109/sqft.
- Corner lot. Two street frontages: more to landscape, shovel and mow, and more exposure to traffic, wind and headlights at night. Buyers price that against an interior lot on the same street, so I read this one on the cautious side and confirm the setting in person.
- Separate-entrance basement apartment features. A finished 2 bed basement apartment with a separate entrance. A self-contained space for extended family, guests or potential income. Basements do rent in Birchcliffe-Cliffside: 27 of the 132 detached leases here lately were basement units, around $1,650 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Toronto.
- Ravine / green setting. This home is described as backing onto a ravine or green setting. A premium that comparable-sales math under-prices, so read the estimate as a floor.
- Inground pool. Priced into the comparison on the assumption it is clean and modern. A pool costs more to build than resale pays back, and condition is the in-person call.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 42 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.04M. Condition and finishes remain an in-person call.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits. Worth verifying
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
Schools & getting aroundcatchment and transit
The assigned public school is Birchmount Park Collegiate Institute. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Read this with carewhy it’s an estimate, not an appraisal
Below comparable homes on total price, yet the price per square foot ($1,089/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
The listing states size as a wide range, so the size adjustment is approximate and this estimate is a rough read. I can confirm exact square footage to tighten it.
There were not many closely comparable homes right in Birchcliffe-Cliffside, so I widened the search to the surrounding area.
Based on 42 comparable homes that sold in Birchcliffe-Cliffside over the past two years, from 372 closings there.
For sale
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $1.10M, which is where my estimate comes from.
Per square foot, these ask about $1,026/sqft; this home lists at $1,089/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 6 active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Birchcliffe-Cliffside: $856K in September 2026, down 17% from a year ago, on 185 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.24M | 20 |
| November 2025 | $1.21M | 14 |
| December 2025 | $825K | 11 |
| January 2026 | $1.20M | 6 |
| February 2026 | $1.20M | 15 |
| March 2026 | $982K | 15 |
| April 2026 | $975K | 19 |
| May 2026 | $1.13M | 21 |
| June 2026 | $986K | 25 |
| July 2026 | $890K | 8 |
| August 2026 | $1.04M | 15 |
| September 2026 | $856K | 16 |
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.
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 $783,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,334
- Property tax
- $439
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,773
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,073
- Toronto municipal land transfer tax
- $16,073
- Estimated closing costs
- $32,146
Plus your down payment of $195,980. 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
- $260,066
- Principal paid down
- $95,781
- Interest paid
- $164,285
- Balance remaining
- $688,139
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
The suite is real income here: basements rent in Birchcliffe-Cliffside (27 of 132 recent detached leases were basement units, around $1,650 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,650 a month on top of the upper floors. Permitted use is worth confirming with the city.
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersThe last 20 whole-home leases in Birchcliffe-Cliffside signed at a median of $3,804 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,905. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of HOMELIFE EAGLE REALTY INC.. MLS®/PropTx.