409 St Clements Avenue, Toronto C04

$1,780,000
409 St Clements Avenue

$1,780,000

New
24d
Detached2-Storey

409 St Clements Avenue, Toronto C04

Total Monthly Obligation $8,316

Beds
4
Baths
2
Park
0
Sqft
1500-2000
DOM
24d
Score
15
Yield
3.2%
Cash on Cash
-9.5%
Cap Rate
2.5%
5Y IRR
8.1%
10Y IRR
8.8%
Property Type-Detached
MLS® Number-C13843422
Beds-4
Bathrooms-2
Size-1500-2000 sqft
Lot Size-25 × 136.58 ft
Listed on site-Sep 29, 2026
Style-2-Storey
Building Type-Detached
Age-51-99
Taxes-$9,131 (2026)
Parking-Other
Basement-Separate Entrance, Finished
Heating-Radiant (Gas)
Brokerage-KW Living Realty
Cooling-Wall Unit(s)
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Brick
Roof-Shingles
Foundation-Brick
Sewer-Sewer
Possession-TBD
Neighbourhood-Lawrence Park South
Title-Residential Freehold

No agent assigned

Welcome to this charming and lovingly maintained home, proudly cherished by the same family for the past 11 years, in the highly sought-after Allenby and North Toronto Collegiate school district. A wonderful opportunity to enjoy a welcoming neighborhood, outstanding educational options, and the convenience of one of Toronto's most established and connected communities. Has Classic North Toronto Features Of Stained Glass, new Laminate with sub-floor and Stair and A Wood Burning Fireplace. New wall mounted Air Condition on second floor 2021. New bathroom second floor 2015, New appliances from 2015 to 2025. Perfectly situated in one of Toronto's most desirable family-friendly neighborhoods, this home offers an exceptional blend of community charm and urban convenience. Just steps from the vibrant shops, restaurants, transit, and everyday amenities along Eglinton, Avenue Road, and Yonge Street, everything you need is right at your doorstep. Families will appreciate the excellent selection of highly regarded public schools nearby, including Allenby Public School, Glenview Senior Public School, North Toronto Collegiate Institute, and Lawrence Park Collegiate Institute. Children can walk safely to Allenby Public School without crossing a major intersection, offering added peace of mind for families. The location also provides convenient access to a number of respected private schools, including University of Toronto Schools (UCC), Havergal College, St. Clement's School, and Toronto French School (TFS).

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$1,424,000
Land Transfer Taxes$32,075
Legal Fees (Est.)
$
Total cash required for closing$389,575

Total Monthly Obligation

$8,316/mo
Mortgage $7,180
Monthly Loss $6,427
Principal$1,889
Interest$5,291
Property Tax$761
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.1%13
Cash-on-Cash
-12.5%0
5-Year IRR
5.7%13
10-Year IRR
7.2%
Returns Index
8.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
15/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$57,600/yr
NOI
$38,209/yr
Net Cash Flow
-$3,996/mo
Cash Margin
-83.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.444
LTV Ratio
80.0%18
Vacancy Buffer
1.2 mo19
Risk Index
13.6/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 409 St Clements Avenue

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.