110 Harding Avenue, Toronto, ON
Brookhaven-Amesbury, Toronto · MLS® W13726152
About this home
Welcome to this beautifully renovated 3-level side-split bungalow rise. This property offering 3 fully separate units with 3 separate entrances, and 3 kitchens! Thoughtfully designed to provide 3 independent living spaces, this exceptional property is ideal for multi-generational families, investors, or first time home buyer. Every level has been fully renovated and features its own private entrance, kitchen, bathroom, and living space, offering privacy and flexibility rarely found in today's market. Main unit showcases a bright open-concept layout.The combined living and dining room features large picture windows, hardwood flooring, potlights, renovated bathrooms, 3 spacious bedrooms, and a stunning chef's kitchen complete with quartz countertops, stainless steel appliances, custom cabinetry, and an oversized island. Theupper loft offers a bright separate suite with a full kitchen, big dining-living area, an additional bedroom, a full bathroom, and a separate entrance. The finished lower level is equally impressive, featuring another suite with a full kitchen, additional bedroom, bathroom, laundry area, ample storage, and its own separate entrance. Situated on a professionally landscaped corner lot, the fully fenced backyard features lush gardens and a spaciouspatio-perfect for entertaining or relaxing outdoors. Located just minutes from excellentschools, parks, shopping, supermarket, public transit, and convenient access to Highways 400,401, and Yorkdale Mall. This move-in-ready home combines modern living with exceptional flexibility. Enjoy the comfort of a beautifully renovated residence, create space for extended family, or explore the possibilities offered by three separate living areas designed for today's lifestyle.
Key facts
- Property type
- Detached, Sidesplit 3
- MLS®
- W13726152
- Bedrooms
- 5 (4 + 1)
- Bathrooms
- 3
- Size
- 2000-2500
- Lot
- 40 × 131 ft
- Cross streets
- Black Creek/Lawrence
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Available, Private
- Basement
- Finished
- Kitchens
- 3 (2 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Concrete
- Foundation
- Concrete, Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,471 / 2026
- Listing brokerage
- CENTURY 21 ATRIA REALTY INC.
Listed at $1,450,000. My estimate lands at $1.39M. The ask is about 4% ahead of that, which usually means the seller is pricing in the finishes, the lot, or simply room to negotiate. Worth a close look at what justifies it before you offer.
Total price vs nearby homes. Fair value about $1.39M, median of 14 comparables.
The market behind the math:
Price per square foot: this home lists at $644/sqft against an area asking average of $783/sqft. Size and $/sqft both feed the estimate above.
How this estimate is builtthe short version
I take the 14 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, and standout features), 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 $1.16M, a bit lower.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can 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
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Open-concept layout: modern, sought-after flow. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Schools & getting aroundcatchment and transit
The assigned public school is Weston Collegiate Institute. 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 ($644/sqft) is below the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in Brookhaven-Amesbury, so I widened the search to the surrounding area.
Based on 14 comparable homes that recently sold nearby.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $1.39M, which is where my estimate comes from.
Per square foot, these ask about $662/sqft; this home lists at $644/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Brookhaven-Amesbury, 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 4.09% via Ratehub.ca (as of August 30, 2026); conventional rates run a little higher.
Mortgage amount $1,160,000 · 4.24% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,254
- Property tax
- $456
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,710
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $25,475
- Toronto municipal land transfer tax
- $25,475
- Estimated closing costs
- $50,950
Plus your down payment of $290,000. 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
- $375,221
- Principal paid down
- $145,995
- Interest paid
- $229,226
- Balance remaining
- $1,014,005
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 CENTURY 21 ATRIA REALTY INC.. MLS®/PropTx.