1045 Ossington Avenue, Toronto, ON

Dovercourt-Wallace Emerson-Junction, Toronto · MLS® W13848660

$1,049,000
For Sale
Listed 18 days agoOffers anytime
4Bedrooms
2Bathrooms
0Parking
1100-1500Sq ft

About this home

In short

  • Welcome To 1045 Ossington Ave.
  • This Beautifully Renovated Home Has Been Thoughtfully And Tastefully Updated Throughout, Blending Modern Finishes With A Warm And Inviting Feel.
  • The Recently Renovated Spacious Kitchen Is A Standout, With Beautiful Green & White Cabinets, Gold Hardware & Herringbone Backsplash, It Has A Functional Layout...
  • Walk To Parks, Shops, Everyday Essentials And Transit, With Ossington Station & Bus Just Steps Away For An Easy Trip Downtown.

OFFERS ANYTIME! Welcome To 1045 Ossington Ave! This Beautifully Renovated Home Has Been Thoughtfully And Tastefully Updated Throughout, Blending Modern Finishes With A Warm And Inviting Feel. The Home Surprises With Its Quiet Interior, Thanks To Laminated Front Windows That Keep The Energy Of The City Outside While Still Being Surrounded By It. The Recently Renovated Spacious Kitchen Is A Standout, With Beautiful Green & White Cabinets, Gold Hardware & Herringbone Backsplash, It Has A Functional Layout Designed For Both Everyday Living And Entertaining. This Home Is Bright, Stylish And Completely Move-In Ready, Has Large Bedrooms Throughout, And A Third Floor & Full Basement Offering Even More Space And Versatility. Extensively Cared For And Improved By Its Current Owner, This Is A Turnkey Home Where The Work Has Already Been Done. Simply Move In And Enjoy! And Then There's The Location! Set In One Of Toronto's Most Vibrant And Connected Pockets, You're Literally On Ossington Ave. Just Steps From The Restaurants, Cafes, Breweries And Neighbourhood Favourites Along Geary Ave, With Christie Pits, Bloor St W, And All The Energy Of Ossington Close By. Walk To Parks, Shops, Everyday Essentials And Transit, With Ossington Station & Bus Just Steps Away For An Easy Trip Downtown. A Neighbourhood With A True Community Feel, Plenty To Do And Some Of The City's Best Spots Right Outside Your Door.

Key facts

Property type
Semi-Detached, 2-Storey
MLS®
W13848660
Bedrooms
4
Bathrooms
2
Size
1100-1500 sq ft
Lot
15.5 × 89.93 ft
Cross streets
Ossington & Dupont
Parking
0 parking
Driveway
None
Basement
Finished
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Asphalt Rolled
Sewer
Sewer
Property tax
$5,271 / 2026
Days on market
18
Listing brokerage
PSR

Rooms

RecreationLower3.76 × 10.36 m

laminate · pot lights

Primary BedroomSecond4.06 × 3.61 m

hardwood floor · large window · closet

Bedroom 4Third4.04 × 2.64 m

broadloom · window · closet

Dining RoomMain4.06 × 3.23 m

laminate · window · pot lights

Living RoomMain2.92 × 5.38 m

laminate · window · pot lights

LaundryLower2.77 × 2.74 m

laminate · laundry sink

KitchenMain3.30 × 4.85 m

laminate · stainless steel appl · modern kitchen

Bedroom 2Second3.15 × 3.15 m

hardwood floor · window · closet

Bedroom 3Second3.53 × 2.67 m

hardwood floor · window · walk-in closet(s)

Our TakeTeam Asgarian · Broker
Likely to sell near ask
$1.05Mlikely sale price

Listed at $1,049,000. Going by how homes in Dovercourt-Wallace Emerson-Junction and the wider GTA have actually closed against their asking prices (about 100%, 18 local closings in 90 days), the likely sale price is near $1.05M, if it sells. A realistic range is $986K to $1.19M.

Independent value check: $1.16M. Without looking at the asking price, our model values the home itself about 10% above the ask (homes like it typically land between $1.08M and $1.21M).

Why $1.16M. The typical semi-detached home sold in Dovercourt-Wallace Emerson-Junction over the past year went for about $1.21M (90 sales). What sets this one apart:

  • ▲ Raises it stronglyThe listing describes it as fully renovated or newly built.
  • ▼ Lowers itIts tax bill, which follows the city's own assessment, is $5,271 a year; the typical home sold here pays about $5,600.
  • ▼ Lowers it slightly0 garage and 0 total parking spaces, against 1.75 and 1 typically.

Offers are accepted anytime, so there is no bidding date to plan around.

List price
$986KBelow recent closings$1.19MAbove recent closings

Total price vs nearby homes. Likely closing about $1.05M, from 18 recent closings in this pocket.

The market behind the math:

18sold nearby · 90 days
$1.04Mmedian sold price
104%of asking, on average
−21%prices vs a year ago
~13 dayshomes like this take to sell
18days on market so far
$4,375/moest. rent · 18 leases
5.0%gross yield on the ask
Seller's market
Buyer's marketSeller's market

About 1.3 months of inventory: 8 semi-detached homes for sale in the area against 18 closings in the last 90 days. Under two months favours sellers, over four favours buyers.

This home
Below area avgAbove area avg

Price per square foot: this home lists at $807/sqft against an area asking average of $926/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 18 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $894K. Condition and finishes remain an in-person call.

What the listing highlights2 points to weigh

Claims from the listing, worth confirming in person. I can book you a private showing.

  • Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
  • 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 Essex Junior and Senior Public 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 5 homes sold on this street over the past two years, from 179 closings in Dovercourt-Wallace Emerson-Junction.

Sold price trend

Median sold price for semi-detached homes in Dovercourt-Wallace Emerson-Junction: $1.05M in September 2026, down 11% from a year ago, on 78 closings in 10 months.

Oct 25Sep 26

Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.

Month by month
MonthMedian soldClosings
October 2025$1.31M7
November 2025$1.16M10
January 2026$1.18M8
March 2026$1.30M11
April 2026$1.42M7
May 2026$1.18M13
June 2026$1.23M5
July 2026$1.12M5
August 2026$1.03M5
September 2026$1.05M7

Neighbourhood & location

Dovercourt-Wallace Emerson-Junction, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Wychwood
$1.14M
Annex
$2.07M
University
$1.75M
Corso Italia-Davenport
$899K
Junction Area
$1.16M

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near Essex Junior and Senior Public School
64%
Essex Junior and Senior Public SchoolPublic · Elementary · 0.5 km awayBelow the GTA average · 64% meet the provincial standard
West End Alternative SchoolEQAO results not published
Also nearby: 12 more schools within 2.5 km
St Bruno/St. Raymond Catholic School · Catholic elementary0.4 km · 56% at standard
Hawthorne II Bilingual Alternative Junior School · Public elementary0.5 km · 74% at standard
Dovercourt Public School · Public elementary0.7 km · 62% at standard
Winona Drive Senior Public School · Public elementary0.8 km
McMurrich Junior Public School · Public elementary0.9 km · 81% at standard
St Mary of the Angels Catholic School · Catholic elementary1.0 km · 76% at standard
Regal Road Junior Public School · Public elementary1.0 km · 73% at standard
Palmerston Avenue Junior Public School · Public elementary1.1 km · 80% at standard
West End Alternative School · Public secondary1.1 km
Oakwood Collegiate Institute · Public secondary1.2 km · 66% at standard
Pauline Junior Public School · Public elementary1.2 km · 76% at standard
St Sebastian Catholic School · Catholic elementary1.2 km · 92% at standard

Not the assigned catchment: schools a family here could reach, with EQAO results where published.

Affordability & Mortgage

Affordability
$4,781/mo
$200KIncome needed
5.3×Price ÷ income
$1,103Weekly cost
$34,910Land transfer tax, one-time (Ontario + Toronto)
20% down4.79%25-yr amortization

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.

92%mortgage
Mortgage $4,781Property tax $439Total carry $5,220

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$4,640per month

Mortgage amount $839,200 · 4.49% over 25 years

$209,800Down payment (20.0%)
$839,200Loan before insurance
$0CMHC premium
$5,079Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$4,640
Property tax
$439
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$5,079

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$17,455
Toronto municipal land transfer tax
$17,455
Estimated closing costs
$34,910

Plus your down payment of $209,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$5,616/monthPayment at the qualifying rate

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

$552,824Total interest paid
$1,392,024Total of all payments
Principal $839,200 Interest $552,824
YearPrincipalInterestBalance
1$18,727$36,954$820,473
2$19,578$36,103$800,895
3$20,467$35,214$780,428
4$21,396$34,285$759,033
5$22,367$33,314$736,665
6$23,383$32,298$713,282
7$24,445$31,236$688,838
8$25,554$30,127$663,283
9$26,715$28,966$636,569
10$27,928$27,753$608,641
11$29,196$26,485$579,445
12$30,521$25,160$548,924
13$31,907$23,774$517,017
14$33,356$22,325$483,661
15$34,870$20,811$448,791
16$36,453$19,227$412,338
17$38,109$17,572$374,229
18$39,839$15,842$334,390
19$41,648$14,033$292,742
20$43,539$12,142$249,204
21$45,516$10,165$203,688
22$47,582$8,099$156,106
23$49,743$5,938$106,363
24$52,001$3,680$54,362
25$54,362$1,319$0

At the end of your 5-year term

Total paid over the term
$278,405
Principal paid down
$102,535
Interest paid
$175,870
Balance remaining
$736,665

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.

Let's connect

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

Rental yield
From 18 whole-home leases in Dovercourt-Wallace Emerson-Junction$4,375/mo
$52,500Gross annual rent
3.8%Cap rate after taxes and upkeep
$3,962 to $4,966Typical rent range
~37 daysTo find a tenant, on average

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

The last 18 whole-home leases in Dovercourt-Wallace Emerson-Junction signed at a median of $4,367 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $4,375. 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.

5.0%
Gross yield
− Property tax $5,271− Insurance $1,400− Vacancy & upkeep $5,775Net operating income $40,054

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of PSR. MLS®/PropTx.

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