358 Pacific Avenue, Toronto, ON
Junction Area, Toronto · MLS® W13586978
About this home
Welcome to 358 Pacific! This two-storey semi has been well loved by the same family for over 35 years! Sitting on an exceptionally large 19.33 x 165.5 ft lot, this 4 bedroom, 3 bath home offers a main floor powder room, main floor laundry, and a bright skylit kitchen - ideal for the next family to make it home. The finished lower level with separate entrance offers flexible space for extended family, guests, a home office, or rec room - high ceilings with sump pump. Enjoy a fully fenced backyard and a total of 4 parking spaces!! An oversized double garage with two additional driveway parking spaces off laneway. 358 Pacific is situated in sought after Annette Street Junior and Senior School and Humberside Secondary catchments!! Tucked away just down the street from all the best amenities the Junction has to offer... restaurants, cafes, groceries and transit all just steps away. Truly an accessible opportunity to get into your dream location. Move in and enjoy all this neighbourhood has to offer!
Key facts
- Property type
- Semi-Detached, 2-Storey
- MLS®
- W13586978
- Bedrooms
- 5 (4 + 1)
- Bathrooms
- 3 (1 half)
- Size
- 1100-1500
- Lot
- 19.33 × 165.5 ft
- Cross streets
- High Park Ave and Annette
- Parking
- 2 garage · 4 parking (detached)
- Driveway
- Lane
- Basement
- Finished, Separate Entrance
- Heating
- Forced Air
- A/C
- None
- Exterior
- Metal/Steel Siding
- Foundation
- Block
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $6,274 / 2025
- Days on market
- 1
- Listing brokerage
- RE/MAX PROFESSIONALS INC.
Rooms
Listed at $999,000, 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 Junction Area lately, sellers have been getting about 102% of asking and homes sell in about 23 days.
There were not many closely comparable homes right in Junction Area, so I widened the search to the surrounding area.
Based on 99 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 99 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.35M, higher 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 $700K
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $745K
That comparable adjusts to $745K; the $1.07M 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.
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.
Total price vs nearby homes. Fair value about $1.07M, 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.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 12% below the area average of $872/sqft.
4 days faster than the Toronto average (5 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Junction Area, 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 $799,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,265
- Property tax
- $523
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,788
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,455
- Toronto municipal land transfer tax
- $16,455
- Estimated closing costs
- $32,910
Plus your down payment of $199,800. 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
- $255,890
- Principal paid down
- $101,778
- Interest paid
- $154,111
- Balance remaining
- $697,422
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 RE/MAX PROFESSIONALS INC.. MLS®/PropTx.