2002-3049 Finch Avenue, Toronto, ON
Humbermede, Toronto · MLS® W13729508
About this home
Welcome to 3049 Finch Avenue West, Unit 2022, where comfort, convenience and lifestyle come together in Harmony Village. This spacious 4-bedroom, 3-washroom townhouse features a bright, functional layout with laminate flooring throughout, three private balconies and a warm, inviting atmosphere within a peaceful community. The well-appointed kitchen includes stainless steel appliances, along with a fridge, stove, washer and dryer, making everyday living effortless.Enjoy the rare combination of space and location, with Finch West LRT and TTC at your doorstep, easy access to Hwy 400 and major routes, and close proximity to York University, Humber College, schools, shopping centres, hospitals, places of worship, parks and everyday amenities. Underground parking provides added convenience.Whether you are a first-time homebuyer, savvy investor or downsizer, this home presents an exceptional opportunity to own in a highly connected, established neighbourhood. It offers the space you need today, along with a location that can support your investment tomorrow.
Key facts
- Property type
- Condo Townhouse, Stacked Townhouse
- MLS®
- W13729508
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 1200-1399
- Cross streets
- Finch /Islington
- Parking
- 2 garage (built-in)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Maintenance
- $723/mo
- Exposure
- East
- Property tax
- $2,707 / 2026
- Listing brokerage
- HOMELIFE/MIRACLE REALTY LTD
Listed at $648,900, and my independent estimate is tracking about 7% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal.
One thing to square: this home asks more than the ones for sale nearby, yet my estimate still puts it below adjusted comparables. That usually means the nearby listings are smaller or simpler homes, so the sticker comparison undersells what this one is.
Total price vs nearby homes. Fair value about $695K, median of 8 comparables.
The market behind the math:
Price per square foot: this home lists at $499/sqft against an area asking average of $623/sqft. Size and $/sqft both feed the estimate above.
How this estimate is builtthe short version
I take the 8 most comparable recent listings 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 listing.
It’s grounded in comparable active listings. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $724K, a close match.
Schools & getting aroundcatchment and transit
The assigned public school is Humber Summit 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
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 8 comparable homes nearby.
Nothing closely matching this home is listed nearby right now, so these are the nearest condo townhouse listings on the market.
Per square foot, these ask about $580/sqft; this home lists at $499/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
Humbermede, 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 31, 2026); conventional rates run a little higher.
Mortgage amount $519,120 · 4.24% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,799
- Property tax
- $226
- Condo / maintenance fees
- $723
- Heating
- $0
- Estimated monthly cost
- $3,747
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,453
- Toronto municipal land transfer tax
- $9,453
- Estimated closing costs
- $18,906
Plus your down payment of $129,780. 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
- $167,918
- Principal paid down
- $65,335
- Interest paid
- $102,583
- Balance remaining
- $453,785
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 HOMELIFE/MIRACLE REALTY LTD. MLS®/PropTx.