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New3 hours ago

132 Harding Boulevard

Birchcliffe-Cliffside, Toronto

$1,149,000

Detached|2-Storey
3 | 3 | 2
About this home

Rare two-storey 3-bed 3-bath in the heart of Birch Cliff, with private driveway, private garage, walk out basement, elevated private backyard, new kitchen (2025), and more. This fully renovated and meticulously maintained home offers hardwood floors, a sun-filled layout with morning and afternoon light, and an unbeatable location. The fully remodeled custom kitchen was thoughtfully designed for busy families, featuring quartz countertops and slab backsplash, upgraded appliances, pot lights, elegant soft-close cabinetry, tons of storage, coffee/tea station, with a breakfast space in addition to formal dining. Spent $$$. The beautifully fenced and landscaped backyard is a retreat for gardeners and easy to maintain; enjoy it all year long. This is a rare opportunity to stop compromising on location, room size, privacy, and your backyard oasis. Take advantage of a newly shingled roof, newer furnace, new doors, new windows, and an electrical panel upgraded to 200 amps. Steps from Lake Ontario, multiple elementary schools, Birchmount Community Centre, local coffee shops, Rosetta McClean Gardens, and several TTC Bus stops. Commute downtown in 30 minutes or less.

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agent
Jonathan Lee
(647) 983-0770
TypeDetached
Style2-Storey
Approx. AgeNot available
Size1500-2000 sq. ft.
Property Tax$5,264
Lot Size25 ft x 102.58 ft
mls© NumberE13831134
Listed ByREALTY 21 INC.

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

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What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$5,881
Property tax
$439
Heat allowance
$150
Housing costs
$6,470 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $229,800
25-yr amortization

Income needed

$199,000

gross annual household income

Payment at 4%
$4,835 / mo
Cash down
$229,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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