120 Winter Gardens Trail, Toronto, ON
Rouge E10, Toronto · MLS® E14033158
About this home
In short
- BUYER INCENTIVE: 1-Year Home Warranty Included for Total Peace of Mind.
- The cozy main floor family room flows out to a massive deck and private yard-ideal for summer BBQs with friends and hosting family gatherings.
- Enjoy gleaming hardwood across both upper levels, plus three large bedrooms including a primary suite with two double closets and a semi-ensuite.
- The Bonus Level: A finished basement with a separate entrance, extra bedroom/office, and full bath-perfect for visiting extended family, or working from home.
- Nestled in a quiet, trusted West Rouge pocket: walk to Rouge GO, Port Union shops, waterfront trails, and top JK-8 schools without crossing busy streets.
BUYER INCENTIVE: 1-Year Home Warranty Included for Total Peace of Mind! 120 Winter Garden is 100% move-in ready - offering the perfect step up into a detached home. Beautifully maintained and built for family life, it features an updated eat-in kitchen with stone counters and a sunny bay window. The cozy main floor family room flows out to a massive deck and private yard-ideal for summer BBQs with friends and hosting family gatherings. Enjoy gleaming hardwood across both upper levels, plus three large bedrooms including a primary suite with two double closets and a semi-ensuite. The Bonus Level: A finished basement with a separate entrance, extra bedroom/office, and full bath-perfect for visiting extended family, or working from home. Nestled in a quiet, trusted West Rouge pocket: walk to Rouge GO, Port Union shops, waterfront trails, and top JK-8 schools without crossing busy streets. Smart value, a solid home & commuter friendly home in a great West Rouge pocket.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- E14033158
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 35 × 105 ft
- Cross streets
- Port Union/Lawrence
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Finished, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,803 / 2026
- Days on market
- 5
- Listing brokerage
- KELLER WILLIAMS ADVANTAGE REALTY
Rooms
hardwood floor · combined w/living · open concept
his and hers closets · hardwood floor · semi ensuite
picture window · hardwood floor · open concept
b/i closet · hardwood floor · large closet
bay window · eat-in kitchen · ceramic floor
double closet · hardwood floor · large window
fireplace · w/o to deck · hardwood floor
double closet · broadloom
finished · gas fireplace · side door
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 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.
Neighbourhood & location
Rouge E10, 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: 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 $791,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,375
- Property tax
- $400
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,775
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,255
- Toronto municipal land transfer tax
- $16,255
- Estimated closing costs
- $32,510
Plus your down payment of $197,800. 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
- $262,481
- Principal paid down
- $96,670
- Interest paid
- $165,811
- Balance remaining
- $694,530
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 KELLER WILLIAMS ADVANTAGE REALTY. MLS®/PropTx.