209-31 Four Winds Drive, Toronto, ON

York University Heights, Toronto · MLS® W13646216

$449,900
For Sale
Listed 74 days agoNo offer date statedSitting longer than typical
2Bedrooms
1Bathrooms
1Garage
900-999Sq ft

About this home

This is a spacious and well-maintained unit offering an impressive 963 square feet of comfortable living space. Whether you're a first-time homebuyer looking to step into the market, an investor seeking a property in a high-demand location, or are just looking for a unit to house your York University kids, this home will fit the bill! Ideally situated just a short walk to Finch West TTC Station and the Finch West LRT, commuting throughout Toronto and York region is a breeze. York University is also very walkable making this an option for students, faculty, and professionals alike. Everything you need is within easy reach, with restaurants, cafés, grocery stores, and everyday amenities just moments from your doorstep. The maintenance fees include all utilities except electricity, and the unit has large windows which get filled with natural light. Don't miss this fantastic opportunity to own a spacious, well-located condo in one of Toronto's most convenient neighbourhoods.

Key facts

Property type
Condo Apartment, Apartment
MLS®
W13646216
Bedrooms
2
Bathrooms
1
Size
900-999 sq ft
Cross streets
Keele/Finch
Parking
1 garage (underground)
Basement
None
Heating
Water
A/C
Window Unit(s)
Exterior
Brick
Maintenance
$832/mo
Exposure
East
Property tax
$1,366 / 2026
Days on market
74
Listing brokerage
RE/MAX PROFESSIONALS INC.

Rooms

KitchenGround4.25 × 2.22 m

renovated · tile floor · eat-in kitchen

Bedroom 2Ground3.67 × 2.67 m

parquet · east view · double closet

Living RoomGround5.25 × 3.39 m

w/o to balcony · sunken room · east view

Dining RoomGround3.92 × 2.92 m

overlooks living · east view

FoyerGround1.65 × 1.32 m

ceramic floor · double closet

LaundryGround1.59 × 1.58 m

Tile Floor

Primary BedroomGround4.53 × 3.29 m

parquet · east view · double 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 Elia Middle School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.

Neighbourhood & location

York University Heights, 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.

Bayview Village
$526K
Dovercourt-Wallace Emerson-Junction
$640K
North St. James Town
$765K
Kensington-Chinatown
$585K
Markland Wood
$680K

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 Derrydown Public School
34%
Derrydown Public SchoolPublic · Elementary · 0.6 km awayBelow the GTA average · 34% meet the provincial standard
Also nearby: 12 more schools within 2.5 km
James Cardinal McGuigan Catholic High School · Catholic secondary0.4 km · 66% at standard
Lamberton Public School · Public elementary1.2 km · 63% at standard
Driftwood Public School · Public elementary1.4 km · 42% at standard
Topcliff Public School · Public elementary1.4 km · 34% at standard
Stilecroft Public School · Public elementary1.5 km · 60% at standard
Brookview Middle School · Public elementary1.6 km · 51% at standard
St Charles Garnier Catholic School · Catholic elementary1.6 km · 63% at standard
Shoreham Public School · Public elementary1.7 km · 54% at standard
St Jerome Catholic School · Catholic elementary1.8 km · 66% at standard
Gosford Public School · Public elementary1.9 km · 48% at standard
Yorkwoods Public School · Public elementary2.0 km · 16% at standard
St Francis de Sales Catholic School · Catholic elementary2.0 km · 38% at standard

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

Affordability & Mortgage

Affordability
$2,050/mo
$101KIncome needed
4.5×Price ÷ income
$473Weekly cost
$10,946Land 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.

68%mortgage
Mortgage $2,050Property tax $114Condo fee $832Total carry $2,996

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)
$1,990per month

Mortgage amount $359,920 · 4.49% over 25 years

$89,980Down payment (20.0%)
$359,920Loan before insurance
$0CMHC premium
$2,936Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$1,990
Property tax
$114
Condo / maintenance fees
$832
Heating
$0
Estimated monthly cost
$2,936

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

One-time closing costs

Ontario land transfer tax
$5,473
Toronto municipal land transfer tax
$5,473
Estimated closing costs
$10,946

Plus your down payment of $89,980. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$2,409/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

$237,098Total interest paid
$597,018Total of all payments
Principal $359,920 Interest $237,098
YearPrincipalInterestBalance
1$8,032$15,849$351,888
2$8,397$15,484$343,492
3$8,778$15,103$334,714
4$9,176$14,704$325,537
5$9,593$14,288$315,944
6$10,029$13,852$305,916
7$10,484$13,397$295,432
8$10,960$12,921$284,472
9$11,458$12,423$273,015
10$11,978$11,903$261,037
11$12,522$11,359$248,515
12$13,090$10,791$235,425
13$13,684$10,196$221,741
14$14,306$9,575$207,435
15$14,955$8,925$192,480
16$15,634$8,246$176,845
17$16,344$7,537$160,501
18$17,086$6,794$143,415
19$17,862$6,019$125,553
20$18,673$5,208$106,880
21$19,521$4,360$87,359
22$20,407$3,473$66,951
23$21,334$2,547$45,618
24$22,302$1,578$23,315
25$23,315$566$0

At the end of your 5-year term

Total paid over the term
$119,404
Principal paid down
$43,976
Interest paid
$75,428
Balance remaining
$315,944

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$3,050/mo
$36,600Gross annual rent
4.6%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.

8.1%
Gross yield
− Property tax $1,366− Condo fees $9,979− Insurance $600− Vacancy & upkeep $4,026Net operating income $20,629

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

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