14-20 Budgell Terrace, Toronto, ON
High Park-Swansea, Toronto · MLS® W13452674
About this home
Rare Ravine Oasis in Swansea! Welcome to 20 Budgell Terrace #14, an exclusive condo townhome tucked away on a quiet, family-friendly cul-de-sac. Built on a dramatic escarpment, this unique home offers a spacious multi-level layout with three bedrooms, including a primary bedroom with a generous walk-in closet. Enjoy a "bird's-eye" view of nature from two walk-outs: a large upper balcony overlooking the peaceful ravine and a secluded lower garden terrace. Timeless architectural character blends seamlessly with sleek modern upgrades throughout. The main floor features a renovated kitchen and updated powder room, while two full bathrooms include refreshed tiling, plumbing fixtures, and lighting. The home also features two working, WETT-certified wood-burning fireplaces. Includes direct access to a private garage and an impressive 82 Transit Score. Minutes from High Park, Lake Ontario, Swansea Public School, Swansea Community Centre, and the amenities of Bloor West Village. Urban convenience meets woodland tranquility! A rare opportunity to own in a tightly held 15-unit complex, offered for the first time since 1979. Note: Room dimensions are approximate due to irregular layout; please refer to the professional floor plan.
Key facts
- Property type
- Condo Townhouse, 3-Storey
- MLS®
- W13452674
- Bedrooms
- 3
- Bathrooms
- 3 (1 half)
- Size
- 1600-1799
- Cross streets
- Bloor W and Windermere
- Parking
- 1 garage (attached)
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Maintenance
- $779/mo
- Exposure
- South West
- Property tax
- $5,942 / 2025
- Days on market
- 31
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
combined w/laundry · ceramic floor
overlooks ravine · closet
combined w/dining · fireplace · overlooks ravine
overlooks ravine · laminate · granite counters
ensuite bath · walk-in closet(s) · fireplace
overlooks ravine · walk-out · sliding doors
combined w/living · w/o to terrace
overlooks ravine · closet
Listed at $1,149,900, this home is about 31% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Priced above comparable homes overall, but the price per square foot ($677/sqft) is in line with the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in High Park-Swansea, so I widened the search to the surrounding area.
Based on 8 similar homes nearby, adjusted for size, beds, and baths.Median of 8 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.14M, higher than the comparables and worth a second look.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $900K
- Adjusts to $900K
That comparable adjusts to $900K; the $877K estimate above is the median of all 8 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On schools, this address is zoned for Humberside Collegiate Institute, one of the higher-rated public schools in the area. A strong catchment tends to hold value and widen your resale pool, especially with family buyers.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Windermere Ave at St Olaves Rd is about a 1-minute walk away.
Total price vs nearby homes. Fair value about $877K, median of 8 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Primary suite: a key comfort and resale feature.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Worth verifying
- Value driver
- Lifestyle
- Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 4% above the area average of $648/sqft.
27 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
High Park-Swansea, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: Windermere Ave at St Olaves Rd, about 106 m away
Within a 15-minute (1.5 km) walk.
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 17, 2026); conventional rates run a little higher.
Mortgage amount $919,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,909
- Property tax
- $495
- Condo / maintenance fees
- $779
- Heating
- $0
- Estimated monthly cost
- $6,183
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $19,473
- Toronto municipal land transfer tax
- $19,473
- Estimated closing costs
- $38,946
Plus your down payment of $229,980. 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
- $294,542
- Principal paid down
- $117,152
- Interest paid
- $177,390
- Balance remaining
- $802,768
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 RIGHT AT HOME REALTY. MLS®/PropTx.