15 Cliff Street, Toronto, ON

Rockcliffe-Smythe, Toronto · MLS® W13455242

$649,999
For Sale
Listed 124 days agoNo offer date statedSitting longer than typical
Request a showing
◎ Directions
3Bedrooms
2Bathrooms
0Parking
700-1100Sq ft

About this home

In short

  • Amazing opportunity to make this a charming 3-bedroom, 2-bath detached house your own.
  • Upstairs features three comfortable bedrooms and a 4-piece bath.
  • Separate side entrance to the lower level which adds even more space with a cozy recreation room, a large laundry area, a 3-piece bath, and a cold room.
  • An ideal location-steps to parks, shopping, transit, schools, and more.

Amazing opportunity to make this a charming 3-bedroom, 2-bath detached house your own. Filled with potential and awaiting your personal touch, this home sits in an up-and-coming neighbourhood close to every amenity imaginable. The main floor offers a bright, inviting living room, a welcoming dining room, and a functional kitchen. Upstairs features three comfortable bedrooms and a 4-piece bath. Separate side entrance to the lower level which adds even more space with a cozy recreation room, a large laundry area, a 3-piece bath, and a cold room. Outside, the large, fenced-in yard is perfect for pets, children, or simply enjoying the outdoors. An ideal location-steps to parks, shopping, transit, schools, and more!

Key facts

Property type
Detached, 1 1/2 Storey
MLS®
W13455242
Bedrooms
3
Bathrooms
2
Size
700-1100 sq ft
Lot
25 × 123.46 ft
Cross streets
Jasper Ave and Weston Rd
Parking
0 parking
Driveway
None
Basement
Partially Finished
Heating
Forced Air
A/C
Central Air
Exterior
Stucco (Plaster), Aluminum Siding
Foundation
Block
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$3,431 / 2025
Days on market
124
Listing brokerage
RE/MAX REAL ESTATE CENTRE INC.

Rooms

BathroomSecond1.85 × 1.85 m

4 Pc Bath

BathroomBasement1.55 × 1.25 m

3 Pc Bath

KitchenMain3.36 × 2.75 m

overlooks backyard · ceramic floor

Primary BedroomSecond3.37 × 2.46 m

window · closet · broadloom

FoyerMain1.83 × 1.24 m

Ceramic Floor

Dining RoomMain3.36 × 2.45 m

overlooks backyard · hardwood floor

Bedroom 2Second3.66 × 2.15 m

window · closet · broadloom

Bedroom 3Second3.37 × 1.85 m

window · closet · broadloom

Living RoomMain3.67 × 3.37 m

large window · hardwood floor

RecreationBasement5.18 × 3.07 m

hardwood floor · above grade window · closet

Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

Considering this property? Request a written price read

The assigned public school is Dennis Avenue Community School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.

What sellers nearby are askingCurrently listed nearby in Rockcliffe-Smythe · asking prices
$746kavg asking

Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market.

Per square foot, these ask about $738/sqft; this home lists at $722/sqft. Size is part of the price story, not just the sticker.

The 3 closest active listings nearby.

See all comparable homes
650kThis home649k790k799kThis home vs active comparables

Neighbourhood & location

Rockcliffe-Smythe, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Dovercourt-Wallace Emerson-Junction
$1.25M
Stonegate-Queensway
$2.25M
Islington-City Centre West
$1.54M
Leaside
$2.15M
St. Andrew-Windfields
$4.10M

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near Dennis Avenue Community School
57%
Dennis Avenue Community SchoolPublic · Elementary · 0.4 km awayBelow the GTA average · 57% meet the provincial standard
Frank Oke Secondary SchoolEQAO results not published
Also nearby: 12 more schools within 2.5 km
St Oscar Romero Catholic Secondary School · Catholic secondary0.3 km · 61% at standard
Our Lady of Victory Catholic School · Catholic elementary0.4 km · 62% at standard
Harwood Public School · Public elementary0.8 km · 55% at standard
Keelesdale Junior Public School · Public elementary0.9 km · 46% at standard
York Memorial Collegiate Institute · Public secondary1.0 km · 50% at standard
Roselands Junior Public School · Public elementary1.1 km · 50% at standard
St Matthew Catholic School · Catholic elementary1.4 km · 63% at standard
Silverthorn Community School · Public elementary1.4 km · 65% at standard
Bala Avenue Community School · Public elementary1.4 km · 51% at standard
George Syme Community School · Public elementary1.5 km · 48% at standard
Charles E Webster Public School · Public elementary1.5 km · 47% at standard
General Mercer Junior Public School · Public elementary1.7 km · 54% at standard

Not the assigned catchment: schools a family here could reach, with EQAO results where published.

Affordability & Mortgage

Affordability
$2,962/mo
$126KIncome needed
5.2×Price ÷ income
$684Weekly cost
$18,950Land transfer tax, one-time (Ontario + Toronto)
20% down4.79%25-yr amortization

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.

91%mortgage
Mortgage $2,962Property tax $286Total carry $3,248

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$2,875per month

Mortgage amount $519,999 · 4.49% over 25 years

$130,000Down payment (20.0%)
$519,999Loan before insurance
$0CMHC premium
$3,161Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$2,875
Property tax
$286
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$3,161

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$9,475
Toronto municipal land transfer tax
$9,475
Estimated closing costs
$18,950

Plus your down payment of $130,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$3,480/monthPayment at the qualifying rate

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

$342,550Total interest paid
$862,549Total of all payments
Principal $519,999 Interest $342,550
YearPrincipalInterestBalance
1$11,604$22,898$508,395
2$12,131$22,371$496,264
3$12,682$21,820$483,582
4$13,258$21,244$470,324
5$13,860$20,642$456,465
6$14,489$20,013$441,976
7$15,147$19,355$426,829
8$15,834$18,668$410,995
9$16,553$17,949$394,441
10$17,305$17,197$377,136
11$18,091$16,411$359,046
12$18,912$15,590$340,134
13$19,771$14,731$320,363
14$20,668$13,834$299,694
15$21,607$12,895$278,087
16$22,588$11,914$255,500
17$23,614$10,888$231,886
18$24,686$9,816$207,200
19$25,806$8,695$181,394
20$26,978$7,524$154,416
21$28,203$6,299$126,213
22$29,484$5,018$96,729
23$30,822$3,680$65,907
24$32,222$2,280$33,685
25$33,685$817$0

At the end of your 5-year term

Total paid over the term
$172,510
Principal paid down
$63,534
Interest paid
$108,976
Balance remaining
$456,465

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.

Let's connect

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

Rental yield
Estimate$1,450/mo
$17,400Gross annual rent
1.6%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

2.7%
Gross yield
− Property tax $3,431− Insurance $1,400− Vacancy & upkeep $1,914Net operating income $10,655

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX REAL ESTATE CENTRE INC.. MLS®/PropTx.

CallRequest a showing