3 Cardell Avenue, Toronto, ON
Humberlea-Pelmo Park W4, Toronto · MLS® W13839786
About this home
In short
- Welcome to 3 Cardell Ave, nestled in a highly desirable and commuter-friendly North Toronto neighbourhood.
- With quick access to major highways including the 401, 400, 409 and Black Creek Drive, this home perfectly blends urban convenience with the tranquility of a...
Welcome to 3 Cardell Ave, nestled in a highly desirable and commuter-friendly North Toronto neighbourhood. This inviting home offers an exceptional lifestyle with the scenic Humber River and extensive trail system just moments away. Enjoy easy access to a wide variety of shops, restaurants, cafes and everyday amenities, while convenient connections to the TTC and UP Express make commuting throughout the city a breeze. With quick access to major highways including the 401, 400, 409 and Black Creek Drive, this home perfectly blends urban convenience with the tranquility of a well-connected residential community. Step outside to your own backyard retreat, complete with a fire pit, garden and spacious shed, perfect for relaxing, entertaining and enjoying the outdoors. A wonderful opportunity to experience the best of nature, neighbourhood and city living.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W13839786
- Bedrooms
- 3
- Bathrooms
- 3 (1 half)
- Size
- 1100-1500 sq ft
- Lot
- 25 × 120 ft
- Cross streets
- Weston & Highway 401
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $3,491 / 2025
- Listing brokerage
- CITYSCAPE REAL ESTATE LTD.
Rooms
hardwood floor · bay window · double closet
combined w/dining · large window
open concept · tile floor · centre island
hardwood floor · b/i closet · double closet
hardwood floor · b/i closet · double closet
hardwood floor · large window
finished · b/i shelves
finished · pot lights
Listed at $899,000, about 11% above our estimate of $811K (homes like it typically land between $760K and $850K).
Why $811K. The typical detached home sold in Humberlea-Pelmo Park W4 over the past year went for about $1.15M (17 sales). What sets this one apart:
- ▼ Lowers it stronglyIts tax bill, which follows the city's own assessment, is $3,491 a year; the typical home sold here pays about $5,600.
- ▼ Lowers itIt is 1,100 to 1,500 sq ft; the typical home sold here is 1,500 to 2,000.
Total price vs nearby homes. Fair value about $811K, learned from recent GTA sales.
The market behind the math:
Price per square foot: this home lists at $692/sqft against an area asking average of $621/sqft.
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 6 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $845K. Condition and finishes remain an in-person call.
Schools & getting aroundcatchment and transit
The assigned public school is C R Marchant 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 6 comparable homes that sold in Humberlea-Pelmo Park W4 over the past two years, from 38 closings there.
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 $811K, which is where my estimate comes from.
Per square foot, these ask about $621/sqft; this home lists at $692/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Humberlea-Pelmo Park W4, 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 4.34% via Ratehub.ca (as of September 30, 2026); conventional rates run a little higher.
Mortgage amount $719,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,977
- Property tax
- $291
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,267
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,455
- Toronto municipal land transfer tax
- $14,455
- Estimated closing costs
- $28,910
Plus your down payment of $179,800. 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
- $238,595
- Principal paid down
- $87,873
- Interest paid
- $150,722
- Balance remaining
- $631,327
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 numbersThe last 5 whole-home leases in Humberlea-Pelmo Park W4 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 $2,894. 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 CITYSCAPE REAL ESTATE LTD.. MLS®/PropTx.