20 Raymore Drive, Toronto, ON
Humber Heights, Toronto · MLS® W13821386
About this home
In short
- Welcome To 20 Raymore Drive, A Rare And Exceptional Offering Set On A Premium Ravine Lot Along The Humber River, Where Privacy And Natural Beauty Define Everyday Living.
- This Beautifully Renovated, Sun-Filled And Detached Home Offers 4 Bedrooms, 4 Bathrooms And 2,509 Sqft Of Thoughtfully Designed Above-Grade Living Space.
- The Open-Concept Kitchen And Living Area Is Anchored By A Caesarstone Quartz Countertop, With A Seamless Walkout To The Composite Deck And Private Backyard.
- Upstairs, Four Generously Sized Bedrooms Await, Including A Primary Retreat With Walk-In Closet And Renovated Ensuite.
- The Fully Finished Basement With Private Separate Entrance And Full 3-Piece Bathroom Is A Rare Bonus, Equally Suited As An In-Law Suite Or Recreation Retreat, With...
Welcome To 20 Raymore Drive, A Rare And Exceptional Offering Set On A Premium Ravine Lot Along The Humber River, Where Privacy And Natural Beauty Define Everyday Living. This Beautifully Renovated, Sun-Filled And Detached Home Offers 4 Bedrooms, 4 Bathrooms And 2,509 Sqft Of Thoughtfully Designed Above-Grade Living Space. Rich Hardwood Floors Flow Throughout Every Above-Grade Level, Complemented By Elegant Wainscoting And Pot Lights That Give The Main Floor A Warm, Polished Character. The Open-Concept Kitchen And Living Area Is Anchored By A Caesarstone Quartz Countertop, With A Seamless Walkout To The Composite Deck And Private Backyard. Upstairs, Four Generously Sized Bedrooms Await, Including A Primary Retreat With Walk-In Closet And Renovated Ensuite. Natural Light Pours Through Every Level, Making Each Room Feel Bright, Airy And Connected.The Fully Finished Basement With Private Separate Entrance And Full 3-Piece Bathroom Is A Rare Bonus, Equally Suited As An In-Law Suite Or Recreation Retreat, With Direct Backyard Access. Outside, A Composite Deck Overlooks A Private Yard Framed By Mature Trees, With A Metal Pergola, Gas Lines For The BBQ, Patio Furniture And Playground Set All Included. Double-Car Garage With Direct Interior Access, Level 2 EV Charging (2025) And Side Gates Complete The Package. Walk To Weston GO And UP Express In Minutes For A Direct Connection To Pearson Airport And Downtown Toronto In Just 15 Minutes. The Humber River Trail Stretching To Lake Ontario Is Steps Away. Families Will Find St. Eugene Catholic French Immersion Elementary School At Their Doorstep, Alongside Other Top-Ranked Schools. This Is More Than A Home. It Is A Lifestyle Defined By Nature, Community And Exceptional Connectivity.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W13821386
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 49.96 × 115 ft
- Cross streets
- Lawrence Ave W & Scarlett Rd
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private Double
- Basement
- Finished, Walk-Up, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $8,110 / 2026
- Days on market
- 26
- Listing brokerage
- ELITE CAPITAL REALTY INC.
Rooms
hardwood floor · window · closet
hardwood floor · large window · open concept
hardwood floor · 4 pc ensuite · walk-in closet(s)
hardwood floor · window · closet
hardwood floor · large window · w/o to deck
laundry sink · side door
hardwood floor · large window · open concept
hardwood floor · window · large closet
hardwood floor · w/o to deck · stainless steel appl
Listed at $1,749,000. Going by how homes in Humber Heights and the wider GTA have actually closed against their asking prices (about 99%, 8 local closings in 90 days), the likely sale price is near $1.73M, if it sells. A realistic range is $1.62M to $1.95M.
Independent value check: $1.83M. Without looking at the asking price, our model values the home itself about 5% above the ask (homes like it typically land between $1.72M and $1.92M).
Why $1.83M. The typical detached home sold in Humber Heights over the past year went for about $1.11M (35 sales). What sets this one apart:
- ▲ Raises it stronglyIts tax bill, which follows the city's own assessment, is $8,110 a year; the typical home sold here pays about $5,500.
- ▲ Raises it stronglyIt is 2,500 to 3,000 sq ft; the typical home sold here is 1,100 to 1,500.
- ▲ Raises itThe listing describes it as fully renovated or newly built.
- ▲ Raises it4+1 bedrooms and 4 baths, against 3+1 and 2 typically.
Total price vs nearby homes. Likely closing about $1.73M, from 8 recent closings in this pocket.
The market behind the math:
About 1.9 months of inventory: 5 detached homes for sale in the area against 8 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $636/sqft against an area asking average of $888/sqft.
- Separate-entrance basement apartment features. A finished 1 bed basement apartment with a separate entrance. A self-contained space for extended family, guests or potential income. Basements do rent in Humber Heights: 10 of the 29 detached leases here lately were basement units, around $2,198 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Toronto.
- Ravine / green setting. This home is described as backing onto a ravine or green setting. The ravine backing is priced into the comparison. How much it is really worth depends on whether the house sits on table land with the slope well behind it, or drops away right behind it, and that part is my in-person call.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 8 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.81M. Condition and finishes remain an in-person call.
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
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits. Worth verifying
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
Schools & getting aroundcatchment and transit
The assigned public school is Hilltop Middle School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Based on 8 comparable homes that sold in Humber Heights over the past two years, from 78 closings there.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $888/sqft; this home lists at $636/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Toronto: $1.20M in September 2026, down 1% from a year ago, on 7,360 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Toronto as a whole: the neighbourhood alone has too few closings for a line of its own.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.25M | 739 |
| November 2025 | $1.21M | 596 |
| December 2025 | $1.14M | 384 |
| January 2026 | $1.20M | 285 |
| February 2026 | $1.23M | 453 |
| March 2026 | $1.34M | 580 |
| April 2026 | $1.31M | 776 |
| May 2026 | $1.30M | 861 |
| June 2026 | $1.25M | 772 |
| July 2026 | $1.17M | 684 |
| August 2026 | $1.19M | 552 |
| September 2026 | $1.20M | 678 |
Neighbourhood & location
Humber 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
Homes over $1.5M can't be insured, so 20% down or more is required.
Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.
Mortgage amount $1,399,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,736
- Property tax
- $676
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,412
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $31,455
- Toronto municipal land transfer tax
- $31,455
- Estimated closing costs
- $62,910
Plus your down payment of $349,800. 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
- $464,185
- Principal paid down
- $170,956
- Interest paid
- $293,229
- Balance remaining
- $1,228,244
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
The suite is real income here: basements rent in Humber Heights (10 of 29 recent detached leases were basement units, around $2,198 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $2,198 a month on top of the upper floors. Permitted use is worth confirming with the city.
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 8 whole-home leases in Humber Heights signed at a median of $4,570 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $5,595. 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 ELITE CAPITAL REALTY INC.. MLS®/PropTx.