20 Concord Ave
Palmerston-Little Italy, Toronto, Ontario M6H 2P1
- Bedrooms
- 4+1
- Bathrooms
- 3
- Size
- 1,500–2,000sq ft
- Per sq ft
- $1,022at the range’s middle
- Lot
- 20 x 137 ft
- Tax a year
- $8,6952025 tax year
- Parking
- 0none
- Days on market
- Members
The brief
About 20 Concord Ave
20 Concord Ave is a 4+1-bedroom, 3-bathroom duplex in Palmerston-Little Italy, Toronto, listed for sale at an asking price of $1,788,000 (MLS® C14093274).
Prime Little Italy! Large detached duplex on MPAC-perfect investor vehicle or live/rent option. Completely renovated main, 2nd, & 3rd floors feature new flooring, 2 new kitchens, & 2 new washrooms. Spanning multiple levels, the upper unit boasts a new subfloor. Currently generating $5,600/mo ($2,500 main / $3,100 upper) with leases ending Dec. Finish the basement or extend the rear like neighbors for maximum income potential. Steps to College St!
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall14/100−$4,058/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 158 homes with 5 bedrooms for lease in Toronto right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $8,695 / 2025
- MLS® number
- C14093274
- Board
- TRREB MLS®
- Property Type
- Duplex
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 20 x 137 ft
- Listed on
- Parking
- None, 0 Parking
Property details
Property
- Property Type
- Duplex
- Style
- 2 1/2 Storey
- Community
- Palmerston-Little Italy
- Municipality
- Toronto
Building
- Size
- 1500-2000 sqft
- Construction
- Brick
Inside
- Bedrooms
- 4+1
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc Bsmt, 1 × 4pc 2nd
- Basement Type
- Separate Entrance
- Kitchens
- 2
Parking
- Driveway
- None
- Garage Type
- None
- Additional Parking
- 0
- Total Parking
- 0
Utilities
- Water
- Municipal
- Cooling
- None
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 20 ft
- Depth
- 137 ft
- Lot Size
- 20 x 137 ft
Additional
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- 2 Fridges, 2 Stoves, 2 Microwaves, 2 Dishwashers, 2 Washers, 2 Dryers, All Electrical Light Fixtures (ELFs), All Existing Window Coverings.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.25 × 4.5 m | Laminate, Large Window, Combined W/Dining | Main |
| Dining | 2.87 × 3.35 m | Laminate, Large Window, Combined W/Living | Main |
| Kitchen | 2.67 × 3.89 m | Laminate, Large Window, Eat-In Kitchen | Main |
| Br | 3.23 × 3.94 m | Broadloom, Large Window, Closet Organizers | Main |
| Kitchen | 2.87 × 3.76 m | Laminate, Window, Eat-In Kitchen | 2nd |
| Dining | 2.26 × 2.9 m | Laminate, Bay Window, Combined W/Living | 2nd |
| Living | 2.62 × 2.9 m | Laminate, Bay Window, Combined W/Dining | 2nd |
| 2nd Br | 2.13 × 3.4 m | Laminate, Window | 2nd |
| 3rd Br | 3.3 × 3.3 m | Laminate, Large Window, Closet | 3rd |
| 4th Br | 2.79 × 3.05 m | Laminate, Window, Closet | 3rd |
| Rec | 4.27 × 7.37 m | Ceramic Floor, Window | Bsmt |
| Other | 2.34 × 3.96 m | Ceramic Floor, Window, W/O To Yard | Bsmt |
Listing history
Buy/sell history for 20 Concord 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 | $1,788,000 | N/A | For Sale | C14093274 |
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
- $357,600
- Total mortgage amount
- $1,430,400
- Total interest payment
- $1,017,000
- Total purchase cost
- $2,805,000
- Mortgage payment
- $8,158/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
60%Monthly carrying cost
$8,883- Rent $4,825
- Shortfall $4,058
Rental income opens at $4,825, the median asking rent of 158 comparable homes for lease in Toronto. 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
- $32,235
- Toronto municipal land transfer tax
- $32,235
- Total land transfer tax
- $64,470
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $55,995
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 $1,788,000
- $27,760
- Ontario total
- $32,235
Toronto’s municipal tax uses the same brackets at this price, so it adds another $32,235.
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
- 2,740 sq ft255 m²
- Street frontage
- 20 ft6.1 m
- Depth
- 137 ft41.8 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.
Heritage and ravine protection
- Not found on the Heritage Register
- Not in a mapped Heritage Conservation District
- Not in the mapped ravine protection area
What this means: None of these City records was found at this address. That does not rule out other approvals, such as a conservation authority permit, so check 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 (d0.6) (x735)By-law
569-2013Municipality
Toronto1 d0.6
Density: floor area is capped at 0.6 times the lot area.
2 x735
Site-specific exception 735: 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(735)
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.
833 COLLEGE STSite planUnder Review
INACTIVE Proposed development consists of a six (6) storey mixed-use building including 58.4 square metres of commercial space at grade and 5 residential dwelling units above totaling 982.48 square metres. Proposed pedestrian access to the commercial unit is proposed from College Street and proposed pedestrian and vehicular access to the Residential Lobby is from Ossington Avenue. Four (4) surface parking spaces are proposed including one (1) Low Emitting Vehicle (LEV) Parking Spaces and one (1) Electric Vehicle Supply Equipment (EVSE) Parking Spaces.
160 m away108 HARRISON STSite planUnder Review
Site Plan Approval for renovations to the existing building at 108 Harrison Street to serve as a municipal shelter.
460 m away1117-1125 DUNDAS ST WSite planUnder Review
Site Plan Approval for a 10 storey residential building with 74 dwelling units, 23 of which will be affordable housing and a one-storey ancillary building at the rear of the site.
710 m away1113 DUNDAS ST WSite planUnder Review
Site Plan Approval for a 10 storey residential building with 74 dwelling units, 23 of which will be affordable housing and a one-storey ancillary building at the rear of the site.
740 m away1117 DUNDAS ST WSite planUnder Review
Site Plan Approval for a 10 storey residential building with 74 dwelling units, 23 of which will be affordable housing and a one-storey ancillary building at the rear of the site.
740 m away1478 DUNDAS ST WSite planUnder Review
The proposed SPA application will facilitate the development of an 8-storey mixed usebuilding containing 57 residential dwelling units totalling 3,966 square metres ofresidential gross floor area and 372 square metres of commercial gross floor area,resulting in a density of 5.29 times the area of the lot. 18 stacked parking spaces for residential use areproposed along with 57 bicycle parking spaces.
800 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
Market area · filters apply to the charts below
The street
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Ossington Station | TTC subway: Line 2 Bloor-Danforth | 850 m |
| Dufferin Station | TTC subway: Line 2 Bloor-Danforth | 1.1 km |
| Christie Station | TTC subway: Line 2 Bloor-Danforth | 1.1 km |
| Bloor GO | GO Transit train: KitchenerUP Express train | 2.1 km |
| Oakwood Station | TTC light rail: Line 5 Eglinton | 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 |
|---|---|---|---|
| Dewson Street Junior Public SchoolToronto DSB | Public · grades JK–6 · French Immersion | 100 m | 78%Grade 6 average |
| Ossington/Old Orchard Junior Public SchoolToronto DSB | Public · grades JK–6 | 300 m | 92%Grade 6 average |
| Pope Francis Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 450 m | 60%Grade 6 average |
| École élémentaire Pierre-Elliott-TrudeauConseil scolaire Viamonde | French-language public · grades JK–6 | 900 m | 94%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Central Toronto AcademyToronto DSB | Public · grades 9–12 | 400 m | 47%Grade 9 math |
| St Mary Catholic AcademyToronto CDSB | Catholic · grades 9–12 | 650 m | 45%Grade 9 math |
| Msgr Fraser College (Southwest)Toronto CDSB | Catholic · grades 9–12 | 1 km | — |
| ÉSC Saint-Frère-AndréConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 1.3 km | 69%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 Palmerston-Little Italy are shown to signed-in members.