20 SAWMILL Road, Toronto, ON
Glenfield-Jane Heights, Toronto · MLS® W13584802
About this home
Welcome to this beautifully renovated 3+2 bedroom, 3-bathroom semi-detached home, located in a desirable family-friendly neighborhood and designed to offer both comfort and versatility. Featuring two fully self-contained living spaces with separate entrances and private laundry facilities, this exceptional property is perfect for extended families, multi-generational living, or homeowners seeking valuable rental income potential. The bright and spacious main level boasts a stunning new kitchen (2026), three generously sized bedrooms with built-in closets, refinished hardwood flooring, a modern 3-piece bathroom, a convenient powder room, and elegant 24 x 24 tiles in the foyer. Situated on an expansive 30x 110 ft lot complete with a garden shed, the property offers ample outdoor space for entertaining, gardening, and family enjoyment, while the driveway and garage comfortably accommodate up to five vehicles. The fully finished walkout lower level offers incredible flexibility and added value with its own private entrance, making it ideal as an in-law suite or income-generating apartment. This move-in-ready space features two spacious bedrooms, a full bathroom, an updated kitchen, separate laundry, and a large, inviting living area with a cozy fireplace. Recent upgrades, including a newly finished ceiling (2023) and numerous modern improvements throughout, enhance the home & #39;s appeal and functionality. Ideally located just minutes from schools, parks, shopping, public transit, and major highways, this turnkey property delivers the perfect combination of style, convenience, and investment potential. A rare opportunity to own a fully upgraded home in a sought-after neighborhood-this one truly has it all. Two Independent Unit.
Key facts
- Property type
- Semi-Detached, Bungalow-Raised
- MLS®
- W13584802
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 3
- Size
- 1500-2000
- Lot
- 30 × 110 ft
- Cross streets
- Keele & Sheppard
- Parking
- 1 garage · 5 parking (built-in)
- Driveway
- Available
- Basement
- Apartment, Finished, Finished with Walk-Out, Separate Entrance
- Kitchens
- 4 (2 + 2)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,067 / 2026
- Days on market
- 2
- Listing brokerage
- SUTTON GROUP - SUMMIT REALTY INC.
Rooms
hardwood floor · closet · window
laminate · combined w/living
hardwood floor · closet · window
hardwood floor · closet · window
laminate · w/o to balcony · combined w/dining
laminate · window
laminate · window
family size kitchen · breakfast area
laminate · w/o to yard · fireplace
laminate · window
Listed at $949,900, this home is about 6% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
In Glenfield-Jane Heights lately, sellers have been getting about 98% of asking and homes sell in about 27 days. Prices are down 6% versus a year ago.
There were not many closely comparable homes right in Glenfield-Jane Heights, so I widened the search to the surrounding area.
Based on 78 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 78 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $955K, a close match.
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 $910K
- Bedrooms +$27K
- Bathrooms +$13K
- Adjusts to $950K
That comparable adjusts to $950K; the $1.01M estimate above is the median of all 78 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 Beverley Heights Middle 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 $1.01M, median of 78 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
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 19% below the area average of $672/sqft.
3 days faster than the Toronto average (5 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Glenfield-Jane Heights, 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 23, 2026); conventional rates run a little higher.
Mortgage amount $759,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,055
- Property tax
- $339
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,394
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,473
- Toronto municipal land transfer tax
- $15,473
- Estimated closing costs
- $30,946
Plus your down payment of $189,980. 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
- $243,313
- Principal paid down
- $96,776
- Interest paid
- $146,537
- Balance remaining
- $663,144
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 SUTTON GROUP - SUMMIT REALTY INC.. MLS®/PropTx.