4075A Lawrence Avenue E
West Hill, Toronto
$649,800
Rare 49' x 166' Deep Lot in Toronto's East End! Charming urban cottage offering exceptional potential to renovate, expand, build up, and potentially add a laneway suite-creating additional living space or future income potential. Brand-new renovated basement (2024), attic insulation (2023), upgraded gutters, vents and chimney cover (2022), and remodelled kitchen, dining and living areas (2019). Prime location: 3 mins to GO Train Station, 2 mins walk to bus stop, and just 10 mins drive to U of T Scarborough, with groceries, banks, shopping and everyday amenities nearby. A rare opportunity to own a spacious lot with tremendous future potential! **EXTRAS** Brand New Dryer, Furnace. AC Unit & Humidifier system & Hot water tank
No extras listed.
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Listing History
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,326
- Property tax
- $240
- Heat allowance
- $150
- Housing costs
- $3,716 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$114,000
gross annual household income
- Payment at 4%
- $2,734 / mo
- Cash down
- $129,960
Assumes no other monthly debts · 25-yr amortization
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