286 Harvie Avenue, Toronto, ON
Caledonia-Fairbank, Toronto · MLS® W13125638
About this home
286 Harvie Ave presents an exceptional opportunity for first-time homebuyers, savvy investors, or those looking to enter a vibrant, family-friendly neighbourhood. This charming 3-bedroom home offers incredible potential, including a rare laneway garage .Ideally situated in a sought-after community, you'll enjoy the convenience of being just minutes from the shops, cafés, restaurants, and amenities of St. Clair West, with schools, parks, and recreational spaces all within walking distance. With excellent transit access and strong demand in this growing neighbourhood, this property is a fantastic opportunity to move in, renovate, invest, or explore its income-generating potential.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W13125638
- Bedrooms
- 3
- Bathrooms
- 3 (2 half)
- Size
- 700-1100
- Lot
- 18 × 128 ft
- Cross streets
- Rogers & Harvie
- Parking
- 1 garage (detached)
- Basement
- Full, Exposed Rock
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,072 / 2026
- Days on market
- 71
- Listing brokerage
- PROCONDO REALTY INC.
Rooms
3 Pc Bath
open concept · laminate · overlooks backyard
window · hardwood floor
large window · pot lights · closet
large window · hardwood floor · combined w/dining
hardwood floor · open concept · window
Listed at $739,000, and my independent estimate is within the range of comparable homes, on the lower side.
In Caledonia-Fairbank lately, sellers get about 100% of asking; homes sell in ~20 days.
Total price vs nearby homes. Fair value about $830K, median of 50 comparables.
How this estimate is builtthe short version
I take the 50 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, and standout features), then use the median, which is steadier than leaning on any single sale.
It’s grounded in recent closing prices, not asking prices. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $870K, a close match.
What the listing highlights1 point to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
Schools & getting aroundcatchment and transit
The assigned public school is Oakwood 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
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 Caledonia-Fairbank, so I widened the search to the surrounding area.
Based on 50 comparable homes that recently sold nearby.
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 10% above the area average of $746/sqft.
70 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Caledonia-Fairbank, 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.
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 3.99% via Ratehub.ca (as of July 24, 2026); conventional rates run a little higher.
Mortgage amount $591,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,155
- Property tax
- $339
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,494
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,255
- Toronto municipal land transfer tax
- $11,255
- Estimated closing costs
- $22,510
Plus your down payment of $147,800. 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
- $189,292
- Principal paid down
- $75,289
- Interest paid
- $114,002
- Balance remaining
- $515,911
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 PROCONDO REALTY INC.. MLS®/PropTx.