The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
A great opportunity in Heron Park, this two-level townhome offers 3 bedrooms and 2 bathrooms, just off Bank Street and close to everyday amenities. The main level features a kitchen updated in 2024, flowing into a sunken living room with access to the spacious backyard deck, with room for plenty of patio furniture and outdoor entertaining. A convenient powder room completes this level. Upstairs, you'll find three good-sized bedrooms and a 4-piece main bathroom with two doors, including direct access from one bedroom for ensuite convenience. The bedrooms offer flexibility for family, guests or a work-from-home setup. Down below, the lower level has tall ceilings, direct access to the garage, and plenty of space for storage, a flex space, or a workout area. Updates include downstairs flooring (2020), backyard deck (2022), kitchen (2024), upstairs flooring (2025) and bathroom upgrades (2026; not a full renovation). The furnace was replaced in 2015 and the A/C in 2024. Average monthly costs are approximately $60 for heat, $100 for hydro and $50 for water. The $110 monthly association fee covers laneway access and maintenance, including snow removal. Offered at $499,900, this is an appealing option for first-time buyers or small families.
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Estimated Rental Income
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Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$2,190/mo
Mortgage (principal + interest)$1,870
Property taxFrom listing: $3,842/yr$320
Minimum $24,995 down for this price; the slider moves in whole percent, starting at 5%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$99,980
Ontario land transfer taxProvincial brackets, no first-time refund$6,473
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$109,253
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Billings Bridge - Riverside Park and Area has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
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