291 St Clair Avenue, Toronto C09
Toronto C09
$1,735,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE/CHAMPIONS REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
3
Days on Market
58
Price Drop
11%
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$4,350/mo
Estimated from market price-to-rent ratios
Remarks
Rosedale Moore Park Detached Modern with Traditional Elegance - 3+2 bedroom, 3 bathrooms. In Toronto's most coveted neighborhood, this fully renovated approx. 2,500 sq ft home (approx. 1,500 sq ft above ground + finished basement) blends modern and traditional design for buyers seeking prestige, comfort, and convenience. Granite, oak, and bamboo floors with hardwood doors, rich stained wood moldings, and marble fireplaces add refinement. The black-and-white marble powder room and full bathrooms with massaging showers and a Jacuzzi hydrotherapy tub provide luxurious comfort. The open living/dining area flows to a kitchen with granite counters, premium appliances, breakfast area, wine-and-dine space, and French doors opening to a deck with programmable lighting and additional outdoor living space under a new pergola with live vines and integrated fire pit, followed by a stone patio with outdoor dining area and spiral patio heater, and a private retreat behind two storage sheds. Gardens bloom year-round with annuals and perennials. The granite-finished lower level includes decorative columns and fireplace. Curb appeal includes stone-framed blooms, a large driveway, and matching landing. Smart lighting in the primary bedroom, kitchen, bathroom, and deck allows adjustable brightness and color. Surrounded by elite schools Deer Park, North Toronto, Northern Secondary, and Upper Canada College. Minutes to dining, universities, hospitals, transit, and highways. The property's depth allows potential rear expansion for an additional unit, enhancing value and income.
MississaugaInvestor.ca
291 St Clair Avenue
Detached · 5bd/3ba · ~1,300 sqft
$1,735,000
Cash-Flow Report · August 2, 2026
Cap Rate
0.75%
Monthly Cash Flow
-$6,899/mo
Estimated Rent
$4,350/mo
Cash-on-Cash
-21.72%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,350 |
| Mortgage | −$7,986 |
| Property Tax | −$1,374 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,446 |
| Vacancy (5%) | −$218 |
| Cash Flow | -$6,899/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$52,200 |
| Vacancy (5%) | −$2,610 |
| Property Tax | −$16,483 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$17,350 |
| Annual NOI | $13,057 |
| Cap Rate | 0.75% |
Cash Required to Close
| Down Payment (20%) | $347,000 |
| Ontario Land Transfer Tax | $31,175 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $381,175 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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