12 St. James Court, Toronto C08

$1,599,000
12 St. James Court

$1,599,000

New
8d
Att/Row/Townhouse2-Storey

12 St. James Court, Toronto C08

Total Monthly Obligation $7,495

Beds
3
Baths
3
Park
1
Sqft
2000-2500
DOM
8d
Score
22
Yield
5.6%
Cash on Cash
1.3%
Cap Rate
4.9%
5Y IRR
16.6%
10Y IRR
15.5%
Property Type-Att/Row/Townhouse
MLS® Number-C14088644
Beds-3
Bathrooms-3
Size-2000-2500 sqft
Lot Size-14.62 × 98.85 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Age-31-50
Taxes-$8,041.42 (2026)
Parking-1 - None
Basement-Walk-Out, Finished
Heating-Forced Air (Gas)
Brokerage-REAL BROKER ONTARIO LTD.
Cooling-Central Air
Laundry-No
Fireplace-Living Room, Wood
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Unknown
Sewer-Sewer
Possession-Flexible
Neighbourhood-Cabbagetown-South St. James Town
Title-Residential Freehold

No agent assigned

Walk to the end of historic Wellesley Street and you'll find a quiet court tucked away from it all. This is 12 St James Court, and it's the kind of address you'll want to keep to yourself.This is Cabbagetown. Saturday mornings at Riverdale Farm, evening walks through Riverdale Park, and a short stroll to local shops and restaurants where people actually know your name. Transit and the DVP are minutes away, so downtown living comes without the noise.Inside, the home has been completely transformed, top to bottom. Every room was rethought and every finish chosen with purpose. The kitchen has quartz countertops and room to cook and gather, and the living room is anchored by a wood-burning fireplace with a walkout to the deck. Hardwood runs throughout, and the electrical has been fully upgraded, so the peace of mind goes deeper than the finishes.Upstairs, skylights pour natural light across the second floor. The primary suite has a 3-piece ensuite and walk-in closet, and the second bedroom is generously sized. The finished lower level adds a third bedroom and walks out to a private backyard oasis, a rare find for downtown living.Nearly 2,200 square feet, move-in ready, in one of Toronto's most loved neighbourhoods. Some homes get a refresh. This one got a total transformation.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$1,279,200
Land Transfer Taxes$28,455
Legal Fees (Est.)
$
Total cash required for closing$349,755

Total Monthly Obligation

$7,495/mo
Mortgage $6,450
Monthly Loss $5,798
Principal$1,697
Interest$4,753
Property Tax$670
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.3%30
Cash-on-Cash
-2.6%4
5-Year IRR
13.5%61
10-Year IRR
13.3%
Returns Index
32.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$90,000/yr
NOI
$68,459/yr
Net Cash Flow
-$745/mo
Cash Margin
-9.9%1
Cash Flow Index
0.7/ 100
Risk Profile
Weight: 20%
DSCR
0.8819
LTV Ratio
80.0%18
Vacancy Buffer
1.3 mo20
Risk Index
19.0/ 100

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

Comparables

Properties near 12 St. James Court

Time

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