- Bedrooms
- 3
- Bathrooms
- 4
- Size
- 2,000–2,500sq ft
- Per sq ft
- $1,509at the range’s middle
- Lot
- Under 0.50 acres
- Tax a year
- $23,5952026 tax year
- Parking
- 1none
- Days on market
- Members
The brief
About 46 Bernard Ave
46 Bernard Ave is a 3-bedroom, 4-bathroom semi-detached house in Annex, Toronto, listed for sale at an asking price of $3,395,000 (MLS® C13762652).
46 Bernard Ave - your dream home you never thought you could buy! Located where the Annex meets Yorkville, steps to the shops, restaurants & energy of Ave & Dav, sits a Heritage Red-Brick Victorian w/ arched windows, incredible entertaining space & serious style. A true AAA+ location where you walk out your front door & are in the middle of it all without sacrificing the charm, space & privacy of a house. And not just any house! Move-in ready. Beautifully finished. 3 bedrms. 4 bathrms. Parking. A gym. Woodburning F/Place. Did I mention the Curved Windows?! And, if that wasn't enough to swoon over, there is an absolutely magical courtyard garden oasis that feels worlds away from the city all yours to enjoy. Inside, soaring proportions & oversized principal rooms are made for city living on a grand scale - dinner for 16? No problem. Cocktails for 50? Easy. The renovated eat-in kitchen is bright, design savvy & inviting, while the primary suite delivers the full wish list: fireplace, walk-in closet & a gorgeous marble ensuite w/ heated floors. The second bedrm overlooks the backyard w/ a lovely 4 piece, & the 3rd bedrm has multiple use options: Queen Bed for family or guests; office/den; or a fantasy dressing room/custom 'Carrie Bradshaw' closet for the primary! But the real story here is the opportunity: Coveted Red Brick Victorian. Incredible space. Stunning finishes. Outdoor space. Parking. Ample storage space. Move-in ready. And, all the excitement & energy of Yorkville just steps away on one of the most coveted streets in Prime Annex. This is the rare moment when the location you've always wanted, the house you thought was out of reach and an exceptional price all meet at the same address. Come view 46 Bernard before someone else buys your home!
Insights
Condition Score
Good73/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall5/100−$11,255/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 10 semi-detached homes with 3 bedrooms for lease in Annex right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $23,595 / 2026
- MLS® number
- C13762652
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Days on market
- Size
- 2000-2500 sqft
- Lot Size
- 22 x 80.62 ft
- Listed on
- Parking
- None, 1 Parking
Property details
Property
- Property Type
- Semi-Detached
- Style
- 2-Storey
- Community
- Annex
- Municipality
- Toronto
Building
- Size
- 2000-2500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 3
- Bathrooms
- 4
- Bathroom Details
- 1 × 2pc Main, 1 × 5pc 2nd, 1 × 3pc 2nd, 1 × 2pc Lower
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 1
- Total Parking
- 1
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 22 ft
- Depth
- 80.62 ft
- Lot Size
- 22 x 80.62 ft
Additional
- Foundation
- Other
- Roof
- Slate
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- See Schedule B
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Foyer | 1.88 × 2.21 m | Stone Floor, Double Closet | Main |
| Living | 4.42 × 4.88 m | hardwood floor, Fireplace, South View | Main |
| Dining | 4.62 × 4.7 m | hardwood floor, O/Looks Living | Main |
| Kitchen | 3.68 × 3.73 m | Stainless Steel Appl, Breakfast Bar, Quartz Counter | Main |
| Family | 4.09 × 5.59 m | hardwood floor, Open Concept, W/O To Yard | Main |
| Primary | 4.01 × 6.68 m | Fireplace, W/I Closet, 5 Pc Ensuite | 2nd |
| 2nd Br | 2.82 × 3.71 m | hardwood floor, Double Closet, South View | 2nd |
| 3rd Br | 2.92 × 3.56 m | hardwood floor, Double Closet, North View | 2nd |
| Rec | 3.3 × 4.19 m | Stone Floor, Sump Pump | Lower |
| Laundry | 1.88 × 3.38 m | Stainless Steel Sink | Lower |
Listing history
Buy/sell history for 46 Bernard Ave, Toronto, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $3,395,000 | N/A | For Sale | C13762652 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $679,000
- Total mortgage amount
- $2,716,000
- Total interest payment
- $1,930,700
- Total purchase cost
- $5,325,700
- Mortgage payment
- $15,489/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
78%Monthly carrying cost
$17,455- Rent $6,200
- Shortfall $11,255
Rental income opens at $6,200, the median asking rent of 10 comparable homes for lease in Annex. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $71,350
- Toronto municipal land transfer tax
- $75,300
- Total land transfer tax
- $146,650
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $138,175
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $2,000,000
- $32,000
- 2.5% from $2,000,000 to $3,395,000
- $34,875
- Ontario total
- $71,350
Toronto’s municipal tax has its own higher brackets at this price, so it adds $75,300.
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Lot area
- 1,774 sq ft165 m²
- Street frontage
- 22 ft6.7 m
- Depth
- 80.62 ft24.6 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- Not in Toronto and Region Conservation Authority’s mapped regulated areaAt the address
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m70 test or monitoring holes also recorded.250 m
Toronto and Region Conservation Authority · Province of Ontario open data
Planning and building activity5
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- 90 building permits issued within 250 m in the last 2 years250 m
- 20 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 4.4 km4.4 km
- Mapped parcel: about 2,330 sq ftMeasured from the municipal parcel map, which can differ from the survey and from the lot size in the listing.At the address
Province of Ontario open data · Municipal building permits · Municipal development applications · toronto.parcels
Around the home2
- Nearest rail line: 390 m390 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is The Governing Council of the University of Toronto — St George Campus, 1.4 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Toronto Hydro-Electric System LimitedAt the address
- Wired internet 50/10 Mbps or faster is listed at a household 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Beanfield Metroconnect, Bell, Dotto One, FibreStream, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Rogers, Routcom, SkyChoice Communications. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Toronto and Region Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario. Contains information licensed under the Open Government Licence – Toronto. Contains information made available under the Toronto and Region Conservation Authority Open Data Licence v1.0.
Heritage and ravine protection
- On the Heritage Register — Part V, by-law 520-94
- In the East Annex Heritage Conservation District, by-law 520-94
- Not in the mapped ravine protection area
What this means: Changes outside the house, and tree removal, may need the City’s review on top of the usual permits. Ask the City before you plan work.
City of Toronto Heritage Register, Heritage Conservation Districts and the Ravine and Natural Feature Protection by-law, read at this address from the City’s maps. Contains information licensed under the Open Government Licence – Toronto.
Zoning
Zone
R (d1.0) (x471)By-law
569-2013Municipality
Toronto1 d1.0
Density: floor area is capped at 1.0 times the lot area.
2 x471
Site-specific exception 471: this site has rules of its own, written in the by-law.
3 Where this is written
Chapter 10, section 10.10 of By-law 569-2013 · Exception 900.2.10(471)
4 What that means in practice
These are the zone’s rules, not permission for this lot. What can be built also depends on the exceptions, overlays and setbacks that apply here. Confirm with the City before you plan.
City of Toronto Zoning By-law 569-2013, read at this address from the City’s zoning map. Open the City’s zoning map. Contains information licensed under the Open Government Licence – Toronto.
Permit history
No building permits on file at this address.
Signals around this home
Changing nearby. 6 open development applications within 800 m of this home.
306 DAVENPORT RDSite planUnder Review
INACTIVE Proposal for a 22-storey mixed-use building comprised of 100 residential dwelling units and 1098 square metres of non-residential gross floor area at grade and the second floor. A total of 210 parking spaces will be provided on the lot in a below grade parking garage.
150 m away234 DAVENPORT RDSite planUnder Review
Site Plan Approval for a 38-storey mixed-use building containing 110 dwelling units and 411.8 square metres of non-residential gross floor area.
160 m away230 DAVENPORT RDSite planUnder Review
Site Plan Approval for a 38-storey mixed-use building containing 110 dwelling units and 411.8 square metres of non-residential gross floor area.
160 m away310 DAVENPORT RDSite planUnder Review
INACTIVE Proposal for a 22-storey mixed-use building comprised of 100 residential dwelling units and 1098 square metres of non-residential gross floor area at grade and the second floor. A total of 210 parking spaces will be provided on the lot in a below grade parking garage.
170 m away224 DAVENPORT RDSite planUnder Review
Site Plan Approval for a 38-storey mixed-use building containing 110 dwelling units and 411.8 square metres of non-residential gross floor area.
170 m away224 A DAVENPORT RDSite planUnder Review
Site Plan Approval for a 38-storey mixed-use building containing 110 dwelling units and 411.8 square metres of non-residential gross floor area.
170 m away
City of Toronto Open Data — Development Applications and Building Permits (cleared permits since 2017). An application is a proposal: it may change, be refused or never be built. Contains information licensed under the Open Government Licence – Toronto.
The market
Semi-detached homes for sale in Annex right now
- For sale now
- 18
- Median asking price
- $3.44M
- New in 7 days
- 4
- Price cuts
- 17%
Middle half: $1.82M to $4.42M
5 in 28 days
3 listings
This home is asking 1% below the median.
See all homes in AnnexAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St George Station | TTC subway: Line 1 Yonge-University, Line 2 Bloor-Danforth | 550 m |
| Dupont Station | TTC subway: Line 1 Yonge-University | 700 m |
| Bay Station | TTC subway: Line 2 Bloor-Danforth | 800 m |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 3.5 km |
| Eglinton Station | TTC subway: Line 1 Yonge-UniversityTTC light rail: Line 5 Eglinton | 3.5 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: TTC schedule data (GTFS) from the Toronto Transit Commission under the Open Government Licence – Toronto; GO Transit and UP Express schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Contains information licensed under the Open Government Licence – Toronto. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Huron Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 450 m | 74%Grade 6 average |
| Jesse Ketchum Junior and Senior Public SchoolToronto DSB | Public · grades JK–8 | 550 m | 89%Grade 6 average |
| Holy Rosary Catholic SchoolToronto CDSB | Catholic · grades JK–8 · French Immersion | 1.7 km | 82%Grade 6 average |
| ÉÉC du Sacré-Coeur-TorontoConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 2.2 km | 60%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Joseph's College SchoolToronto CDSB | Catholic · grades 9–12 | 1.3 km | 66%Grade 9 math |
| Loretto College SchoolToronto CDSB | Catholic · grades 9–12 | 1.4 km | 40%Grade 9 math |
| Central Technical SchoolToronto DSB | Public · grades 9–12 | 1.4 km | 34%Grade 9 math |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 2.1 km | 86%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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Sold prices in Annex are shown to signed-in members.