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.
What if you could own a Toronto freehold with monthly mortgage costs lower than the average Toronto rent? Welcome to 12 Sarnia Avenue, a fully renovated LEGAL DUPLEX in the heart of Junction Triangle, offering a smarter path to homeownership with rental income helping to offset your monthly mortgage payments! Two bright, beautifully updated, self-contained TWO-STOREY suites offer their own kitchens, living spaces, bedrooms, bathrooms, independent heating and cooling systems, and private outdoor spaces-including an upper-level terrace overlooking Campbell Park, perfect for morning coffee or unwinding outdoors. Live in one and let the rental income from the other help pay down your mortgage, accommodate extended family while maintaining privacy and independence, or add an income-producing property to your investment portfolio. Backing directly onto Campbell Park, with legal laneway parking and convenient access to neighbourhood cafes, restaurants, shops, Lansdowne Subway, Bloor GO and the UP Express connecting you to downtown Toronto and Pearson Airport. The upcoming Davenport Diamond Greenway will bring new walking and cycling connections, landscaping and public spaces to the neighbourhood, with planned connections at Sarnia Avenue and Campbell Park. Enjoy a vibrant, walkable neighbourhood while building equity in a freehold property with income potential. Multiple possibilities. One exceptional opportunity to make Toronto homeownership work for you! An absolute MUST SEE! Monthly mortgage cost comparison is based on illustrative financing and rental income assumptions, actual costs may vary. (Select photos have been virtually staged to illustrate potential furniture placement and decor.)
Property Details
Listing
MLS® number
W14107076
Status
For Sale
Listed
Oct 22, 2026
Last updated
Oct 29, 2026
Possession
Flexible
Building
Type
Multi-Family
Style
3-Storey
Approx. age
100+
Approx. size
1,100–1,500 ft²
Basement
Finished with Walk-Out
Lot
Frontage
16.00 ft
Depth
90.00 ft
Lot area
≈ 1,440 ft² (calculated)
View
North
Community
Dovercourt-Wallace Emerson-Junction
Parking & utilities
Garage
None, 0 spaces
Driveway
Lane, 1 space
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$5,609 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
PROPERTY.CA INC.
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 2
Bedrooms below grade: 2
Kitchens: 2 above grade
Basement: Finished with Walk-Out
Heating: Forced Air
Cooling: Central Air
Exterior
Pool features: None
Property features: Cul de Sac/Dead End, Other, Park, Place Of Worship, Public Transit, School
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$5,069/mo
Mortgage (principal + interest)$4,601
Property taxFrom listing: $5,609/yr$467
Minimum $98,000 down for this price; the slider moves in whole percent, starting at 8%. 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$246,000
Ontario land transfer taxProvincial brackets, no first-time refund$21,075
Toronto land transfer taxMunicipal brackets, no first-time refund$21,075
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$290,950
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Toronto adds its own land transfer tax; first-time buyers can get up to $4,475 back on it.
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.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
