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Islington-City Centre West, Toronto
$849,900
The first thing you notice is the trees. Tall, mature and casting long shade over a solid brick bungalow on a 40 x 125 ft lot. Garden beds line the front steps and a blue front door welcomes you in. Inside, graceful arched doorways frame every turn, each one pulling you a little further in. Light fills the living room through a wide picture window, the kind of room where you sink into the couch and stay a while. Through the arch, a separate dining room waits for holiday tables, birthday cakes and conversations that outlast dessert. The eat-in kitchen is made for real life, with navy cabinetry, a window over the sink and room for a small table where mornings start slow. Three bedrooms and a full bath complete the main floor. Downstairs, a separate side entrance opens to the partially finished lower level. A rec room, second full bath, cold room, laundry facilities and a workshop and storage area give you space to spread out, with in-law suite potential for extended family. Then step out back. The yard is deep, private and south facing, shaded by a towering mature tree. A large deck with privacy screening is ready for summer evenings and Saturday morning coffee, and a garden shed holds the tools and toys.The big-ticket items are already handled: new hybrid dual fuel heat pump and forced air furnace system and new hot water heater (July 2026), roof (2015), deck (2019), and bedroom and bathroom windows (2011). Private drive. Castlebar Junior School district and on a school bus route. TTC bus nearby, easy highway access, and minutes to Costco and other grocery stores, a movie theatre and restaurants near The Queensway and Islington.
No extras listed.
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Listing History
Schools
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,350
- Property tax
- $439
- Heat allowance
- $150
- Housing costs
- $4,939 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$152,000
gross annual household income
- Payment at 4%
- $3,577 / mo
- Cash down
- $169,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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