37 Gambello Crescent, Toronto, ON

York University Heights, Toronto · MLS® W13858912

$859,900
For Sale
Listed 16 days agoNo offer date stated
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2+1Bedrooms
2Bathrooms
1Garage · 3 parking
1100-1500Sq ft

About this home

In short

  • Beautifully updated semi-detached bungalow with excellent income potential.
  • This inviting home features a spacious living and dining room on the main level, two bedrooms and hardwood flooring throughout.
  • The main level includes an updated kitchen with quartz countertops and new ceramic flooring, while the finished basement offers additional living space with new vinyl...
  • The home features two renovated bathrooms, new vinyl windows throughout, and an upgraded electrical system to 100 amps.
  • The finished basement, complete with a separate entrance, offers excellent in-law or income potential.

Beautifully updated semi-detached bungalow with excellent income potential! This inviting home features a spacious living and dining room on the main level, two bedrooms and hardwood flooring throughout. The main level includes an updated kitchen with quartz countertops and new ceramic flooring, while the finished basement offers additional living space with new vinyl flooring. The home features two renovated bathrooms, new vinyl windows throughout, and an upgraded electrical system to 100 amps. The finished basement, complete with a separate entrance, offers excellent in-law or income potential. It features an updated kitchen, one bedroom, a family room and a renovated four piece bathroom. New oak stairs to the basement. Freshly painted throughout. Ideally located close to all amenities, including TTC, LRT, Subway, Hospital, Schools, parks, and shopping. Situated in a great family friendly neighbourhood.

Key facts

Property type
Semi-Detached, Bungalow-Raised
MLS®
W13858912
Bedrooms
2+1 (3 total)
Bathrooms
2
Size
1100-1500 sq ft
Lot
45.89 × 108.14 ft
Cross streets
Keele/ Sentinel Rd
Parking
1 garage · 3 parking (built-in)
Driveway
Mutual
Basement
Apartment, Separate Entrance
Kitchens
2 (1 + 1)
Heating
Baseboard
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$3,898 / 2026
Days on market
16
Listing brokerage
CENTURY 21 HERITAGE GROUP LTD.

Rooms

Living RoomMain4.38 × 4.00 m

hardwood floor · w/o to balcony · combined w/dining

Primary BedroomMain4.57 × 3.30 m

hardwood floor · closet · window

Living RoomLower5.30 × 3.28 m

broadloom · w/o to yard

Bedroom 2Main3.51 × 2.91 m

hardwood floor · closet · window

KitchenLower3.32 × 2.76 m

updated · vinyl floor · window

BedroomLower3.48 × 2.76 m

broadloom · closet · window

KitchenMain3.30 × 3.20 m

updated · backsplash · tile floor

Dining RoomMain3.30 × 3.83 m

hardwood floor · combined w/living

Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

Considering this property? Request a written price read

The assigned public school is Lamberton Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.

What sellers nearby are askingCurrently listed nearby in York University Heights · asking prices
$983kavg asking

Nothing closely matching this home is listed nearby right now, so these are the nearest semi-detached listings on the market.

Per square foot, these ask about $528/sqft; this home lists at $661/sqft. Size is part of the price story, not just the sticker.

The 5 closest of 8 active listings nearby.

See all comparable homes
860kThis home888k929k700k1.40M999kThis home vs active comparables

Neighbourhood & location

York University Heights, 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.

Glenfield-Jane Heights
$868K
Corso Italia-Davenport
$899K
Junction Area
$1.16M
Wychwood
$1.14M
Mount Pleasant East
$1.36M

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 Lamberton Public School
63%
Lamberton Public SchoolPublic · Elementary · 0.4 km awayBelow the GTA average · 63% meet the provincial standard
Also nearby: 12 more schools within 2.5 km
Stilecroft Public School · Public elementary0.5 km · 60% at standard
Derrydown Public School · Public elementary0.9 km · 34% at standard
St Jerome Catholic School · Catholic elementary0.9 km · 66% at standard
Topcliff Public School · Public elementary1.0 km · 34% at standard
Sheppard Public School · Public elementary1.1 km · 24% at standard
Oakdale Park Middle School · Public elementary1.2 km · 55% at standard
St. Margherita of Cittá di Castello Catholic School · Catholic elementary1.2 km · 75% at standard
Africentric Alternative School · Public elementary1.2 km · 57% at standard
Yorkwoods Public School · Public elementary1.2 km · 16% at standard
St Martha Catholic School · Catholic elementary1.2 km · 58% at standard
James Cardinal McGuigan Catholic High School · Catholic secondary1.3 km · 66% at standard
St Jane Frances Catholic School · Catholic elementary1.6 km · 47% at standard

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

Affordability & Mortgage

Affordability
$3,919/mo
$163KIncome needed
5.3×Price ÷ income
$904Weekly cost
$27,346Land 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 $3,919Property tax $325Total carry $4,244

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)
$3,804per month

Mortgage amount $687,920 · 4.49% over 25 years

$171,980Down payment (20.0%)
$687,920Loan before insurance
$0CMHC premium
$4,128Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,804
Property tax
$325
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$4,128

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

One-time closing costs

Ontario land transfer tax
$13,673
Toronto municipal land transfer tax
$13,673
Estimated closing costs
$27,346

Plus your down payment of $171,980. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$4,604/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

$453,168Total interest paid
$1,141,088Total of all payments
Principal $687,920 Interest $453,168
YearPrincipalInterestBalance
1$15,351$30,292$672,569
2$16,048$29,595$656,520
3$16,777$28,866$639,743
4$17,539$28,105$622,204
5$18,335$27,308$603,869
6$19,168$26,476$584,701
7$20,038$25,606$564,663
8$20,948$24,696$543,715
9$21,899$23,745$521,816
10$22,893$22,750$498,923
11$23,933$21,711$474,991
12$25,019$20,624$449,971
13$26,155$19,488$423,816
14$27,343$18,301$396,473
15$28,584$17,059$367,889
16$29,882$15,761$338,007
17$31,239$14,405$306,768
18$32,657$12,986$274,111
19$34,140$11,503$239,971
20$35,690$9,953$204,280
21$37,311$8,333$166,970
22$39,005$6,639$127,965
23$40,776$4,868$87,189
24$42,627$3,017$44,562
25$44,562$1,081$0

At the end of your 5-year term

Total paid over the term
$228,218
Principal paid down
$84,051
Interest paid
$144,167
Balance remaining
$603,869

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
Estimate$2,300/mo
$27,600Gross annual rent
2.2%Cap rate after taxes and upkeep

Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.

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

Talk about the numbers

Estimates 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.

3.2%
Gross yield
− Property tax $3,898− Insurance $1,400− Vacancy & upkeep $3,036Net operating income $19,266

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of CENTURY 21 HERITAGE GROUP LTD.. MLS®/PropTx.

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