28 Herzberg Gardens, Toronto, ON
York University Heights, Toronto · MLS® W13708990
About this home
In short
- Exceptional opportunity in the heart of York University Heights.
- Just 7 minutes walking distance from York University the finished lower level offers excellent functionality and flexibility.
- Offering an impressive 2,449 sq. ft., this spacious semi features 4+2 bedrooms, 4 bathrooms plus 1 powder room, a double-car garage, 9-ft ceilings, and thoughtful...
- Enjoy landscaped gardens and a private third-floor terrace.
- Minutes to Finch West Subway, Highways 400, 401 & 407, Yorkdale Mall, hospitals, schools, restaurants, and everyday amenities.
Exceptional opportunity in the heart of York University Heights. This beautifully maintained, move-in-ready home offers the perfect balance of comfortable family living and excellent potential for owner-occupant. Just 7 minutes walking distance from York University the finished lower level offers excellent functionality and flexibility.Offering an impressive 2,449 sq. ft., this spacious semi features 4+2 bedrooms, 4 bathrooms plus 1 powder room, a double-car garage, 9-ft ceilings, and thoughtful upgrades including oak hardwood floors, custom kitchen cabinetry, crown moulding, pilasters, pot lights, and California shutters. The self-contained lower level includes a private entrance, kitchen, 2 bedrooms, 2 bathrooms, and full-size laundry-ideal for extended family, multigenerational living and or other permitted uses.Enjoy landscaped gardens and a private third-floor terrace. Updates include furnace, humidifier, oven (2025), garage roof (2024), garage door, basement refrigerator (2023), dishwasher (2026), and professionally cleaned dryer vents (2026). Minutes to Finch West Subway, Highways 400, 401 & 407, Yorkdale Mall, hospitals, schools, restaurants, and everyday amenities.
Key facts
- Property type
- Semi-Detached, 3-Storey
- MLS®
- W13708990
- Bedrooms
- 4+2 (6 total)
- Bathrooms
- 5 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 20.01 × 100.07 ft
- Cross streets
- Keele/Finch/York University
- Parking
- 2 garage (detached)
- Basement
- Separate Entrance, Walk-Up, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,540 / 2026
- Days on market
- 18
- Listing brokerage
- CENTURY 21 LANDUNION REALTY INC.
Rooms
hardwood floor · walk-in closet(s) · ceiling fan(s)
hardwood floor · mirrored closet · ceiling fan(s)
laminate · 4 pc ensuite · mirrored closet
hardwood floor · 4 pc ensuite · w/o to terrace
hardwood floor · w/o to patio · gas fireplace
hardwood floor · walk-in closet(s) · california shutters
ceramic floor · breakfast bar · track lighting
laminate · 3 pc ensuite · mirrored closet
hardwood floor · california shutters · moulded ceiling
hardwood floor · california shutters · moulded ceiling
Listed at $1,399,000 with no offer date, so the ask is the seller’s number, and homes priced this way sell close to it. My read is $1.31M, typically $1.27M to $1.35M. Comparable closings on their own put this home around $1.09M, so the ask carries a premium over the comparables: the seller is pricing in the finishes, the lot, or room to negotiate. That gap is your negotiating room.
Second read, from the city assessment: $1.21M. Similar homes sold in line with their assessments, and this one lands close to the comparable-sales figure, which is what a firm read looks like.
Total price vs nearby homes. Fair value about $1.31M, median of 11 comparables.
The market behind the math:
About 3.4 months of inventory: 8 semi-detached homes for sale in the area against 7 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $622/sqft against an area asking average of $591/sqft. Size and $/sqft both feed the estimate above.
- Separate-entrance basement apartment features. A finished 2 bed basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. In York University Heights basements rarely rent out (2 of 19 recent detached leases were basement units), so buyers here treat a suite as family or nanny space rather than income. Value it for the living space, not the rent. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Toronto.
How this estimate is builtthe short version
I take the 11 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, lot frontage, a ravine backing, an inground pool), then use the median, which is steadier than leaning on any single sale.
It’s grounded in recent closing prices, not asking prices. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $1.21M, a close match.
What the listing highlights4 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
Schools & getting aroundcatchment and transit
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.
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($622/sqft) is in line with the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in York University Heights, so I widened the search to the surrounding area.
Based on 11 comparable homes that sold in York University Heights over the past two years, from 75 closings there.
For sale
For sale
For sale
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest semi-detached listings on the market. Homes like this one have recently closed around $1.09M, which is where my estimate comes from.
Per square foot, these ask about $557/sqft; this home lists at $622/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
York University 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.
Also nearby: 12 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.09% via Ratehub.ca (as of September 11, 2026); conventional rates run a little higher.
Mortgage amount $1,119,200 · 4.24% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,034
- Property tax
- $462
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,495
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $24,455
- Toronto municipal land transfer tax
- $24,455
- Estimated closing costs
- $48,910
Plus your down payment of $279,800. 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
- $362,024
- Principal paid down
- $140,860
- Interest paid
- $221,164
- Balance remaining
- $978,340
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
About the suite: in York University Heights basements rarely rent out (2 of 19 recent detached leases were basement units), so the figure above does not count it as income. Buyers here use a suite as family or nanny space.
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersThe last 12 whole-home leases in York University Heights signed at a median of $2,100 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,268. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of CENTURY 21 LANDUNION REALTY INC.. MLS®/PropTx.