95 Bernice Crescent, Toronto, ON
Rockcliffe-Smythe, Toronto · MLS® W13463798
About this home
Approved plans with full permits for a purpose built rental four Plex with legal garden suite. Keep as is or modify before building (consultation available). Design and architectural consulting included in purchase price. All fees fully paid for, start building tomorrow. 101 Bernice has been built and is a mirror to this future build. Benefit from CMHC programs available to purpose built rental projects such as, interest rate savings, longer amortization program and HST rebates. Unique design and build.
Key facts
- Property type
- Other, Other
- MLS®
- W13463798
- Lot
- 25 × 110 ft
- Cross streets
- Scarlett & St Clair
- Sewer
- Sewer
- Property tax
- $2,517 / 2026
- Days on market
- 34
- Listing brokerage
- ROYAL LEPAGE SUPREME REALTY
Listed at $764,900, this home is within the range of comparable homes, on the lower side. The number above is my independent estimate of value, not the asking price.
In Rockcliffe-Smythe lately, sellers have been getting about 98% of asking and homes sell in about 27 days.
This listing did not confirm square footage, so I compared on beds, baths, and location instead of size. Confirm the size to sharpen this.
There were not many closely comparable homes right in Rockcliffe-Smythe, so I widened the search to the surrounding area.
Based on 99 similar homes that recently sold nearby, adjusted for beds and baths.Median of 99 recently sold comparable homes — actual closing prices, not asks — adjusted for beds and baths. The city (MPAC) assessment points to about $545K, lower than the comparables and worth a second look. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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, sold for $765K
- Adjusts to $765K
That comparable adjusts to $765K; the $925K estimate above is the median of all 99 comparables, which is steadier than any single home.This estimate is grounded in actual closing prices from the last 15 months, not asking prices. Lot, condition, and finishes are still my in-person call.
The assigned public school is Lambton Park Community School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Total price vs nearby homes. Fair value about $925K, median of 99 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.
- Garden / laneway suite potential: extra-unit upside, but confirm zoning and feasibility with the city. Worth verifying
- Sold as-is / needs work: budget for renovation, the price should reflect the condition. Weigh carefully
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 homesOn the market now.
View comparable listingsNot enough sq ft data to place this home on the area price curve.
Neighbourhood & location
Rockcliffe-Smythe, 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 22, 2026); conventional rates run a little higher.
Mortgage amount $611,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,265
- Property tax
- $210
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,475
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,773
- Toronto municipal land transfer tax
- $11,773
- Estimated closing costs
- $23,546
Plus your down payment of $152,980. 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
- $195,926
- Principal paid down
- $77,928
- Interest paid
- $117,998
- Balance remaining
- $533,992
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 ROYAL LEPAGE SUPREME REALTY. MLS®/PropTx.