54 Stewart St
Waterfront Communities C1, Toronto, Ontario M5V 1H6
- Bedrooms
- 5+2
- Bathrooms
- 5
- Size
- 2,000–2,500sq ft
- Per sq ft
- $1,244at the range’s middle
- Lot
- 19.5 x 86 ft
- Tax a year
- $7,2602025 tax year
- Parking
- 0none
- Days on market
- Members
The brief
About 54 Stewart St
54 Stewart St is a 5+2-bedroom, 5-bathroom semi-detached house in Waterfront Communities C1, Toronto, listed for sale at an asking price of $2,800,000 (MLS® C13226270).
30 story high rise assembly potential. Currently fully rented strong monthly rental income. Turnkey commercial/residential property situated directly adjacent to the future King Bathurst station on the Ontario Line (development opportunity). This 15.6 km rapid transit line, connecting Exhibition Place to the Ontario Science Centre, is set to revolutionize connectivity in Toronto. Located at 54 Stewart Street, this property is steps away from the upcoming King Bathurst station, enhancing its appeal for both commercial and residential purposes. It is extensively renovated in 2024, with over $700,000 invested in gutting the property to the studs, ensuring a maintenance-free experience for the next 20+ years. Currently houses 3 commercial tenants and 2 residential apartments. It includes a large rear addition with a private backyard patio, providing a serene outdoor retreat.
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall26/100−$4,580/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 13 homes with 7 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
- $7,260 / 2025
- MLS® number
- C13226270
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Days on market
- Size
- 2000-2500 sqft
- Lot Size
- 19.5 x 86 ft
- Listed on
- Parking
- None, 0 Parking
Property details
Property
- Property Type
- Semi-Detached
- Style
- 3-Storey
- Community
- Waterfront Communities C1
- Municipality
- Toronto
Building
- Size
- 2000-2500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 5+2
- Bathrooms
- 5
- Bathroom Details
- 1 × 3pc 3rd, 1 × 3pc 2nd, 1 × 3pc Main, 1 × 2pc Main, 1 × 3pc Lower
- Basement Type
- Apartment
- Kitchens
- 3
Parking
- Driveway
- None
- Garage Type
- None
- Additional Parking
- 0
- Total Parking
- 0
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 19.5 ft
- Depth
- 86 ft
- Lot Size
- 19.5 x 86 ft
Additional
- Foundation
- Brick
- Roof
- Flat
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Br | 0.0 × 0.0 m | — | 3rd |
| 2nd Br | 0.0 × 0.0 m | — | 3rd |
| 3rd Br | 0.0 × 0.0 m | — | 3rd |
| Kitchen | 0.0 × 0.0 m | Combined W/Living | 3rd |
| Br | 0.0 × 0.0 m | — | 2nd |
| 2nd Br | 0.0 × 0.0 m | — | 2nd |
| Living | 0.0 × 0.0 m | — | 2nd |
| Living | 0.0 × 0.0 m | 3 Pc Bath | Main |
| Dining | 0.0 × 0.0 m | — | Main |
| Office | 0.0 × 0.0 m | 3 Pc Bath | Main |
| Office | 0.0 × 0.0 m | — | Main |
| Kitchen | 0.0 × 0.0 m | — | Lower |
Listing history
Buy/sell history for 54 Stewart St, 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 | $2,800,000 | N/A | Pc | C13226270 |
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
- $560,000
- Total mortgage amount
- $2,240,000
- Total interest payment
- $1,592,500
- Total purchase cost
- $4,392,500
- Mortgage payment
- $12,775/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
49%Monthly carrying cost
$13,380- Rent $8,800
- Shortfall $4,580
Rental income opens at $8,800, the median asking rent of 13 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
- $56,475
- Toronto municipal land transfer tax
- $56,475
- Total land transfer tax
- $112,950
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $104,475
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 $2,800,000
- $20,000
- Ontario total
- $56,475
Toronto’s municipal tax uses the same brackets at this price, so it adds another $56,475.
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
- 1,677 sq ft156 m²
- Street frontage
- 19.5 ft5.9 m
- Depth
- 86 ft26.2 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, measured by MPAC.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation4
- 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 m101 test or monitoring holes also recorded.250 m
- Groundwater recorded about 3 m below ground nearbyThe middle water level in the well records within 500 m (569 records). It changes with the season and from spot to spot.500 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
- 101 building permits issued within 250 m in the last 2 years250 m
- 10 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 1.2 km1.2 km
- Mapped parcel: about 1,740 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: 330 m330 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 Enwave Energy Corporation — Pearl Street Steam Plant, 1.4 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 2 federal contaminated sites within 1 kmAll of them are closed. The federal inventory covers federal land only, not 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 50 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (50 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.50 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Beanfield Metroconnect, Bell, CIK Telecom, Dotto One, FibreStream, Rally, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Rogers, 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 1120-2024
- In the King-Spadina Heritage Conservation District, by-law 1111-2017
- 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
CRE (x69)By-law
569-2013Municipality
Toronto1 x69
Site-specific exception 69: this site has rules of its own, written in the by-law.
2 Where this is written
Chapter 50, section 50.10 of By-law 569-2013 · Exception 900.12.10(69)
3 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
1 building permit cleared at this address in the City’s file.
UnknownClosed
Make alterations and build additions at rear.
Issued February 9, 1988
City of Toronto Open Data — cleared building permits, which begin in 2017. Contains information licensed under the Open Government Licence – Toronto.
Signals around this home
Changing nearby. 6 open development applications within 800 m of this home.
663 KING ST WSite planUnder Review
Ontario Line King-Bathurst
50 m away662 KING ST WSite planUnder Review
Ontario Line King-Bathurst
90 m away668 KING ST WSite planUnder Review
Ontario Line King-Bathurst
100 m away675 KING ST WSite planUnder Review
The proposed development is for a 19-storey mixed-use building with a height of approximately 67.7 metres to the top of the roof (72.0 metres to the top of the mechanical penthouse) with approximately 13,035 square metres of total gross floor area, including approximately 2,575 square metres of commercial uses containing at-grade retail and replacement of the existing office space. A total of 159 residential units are proposed. An associated Zoning By-law Amendment application (22 204199 STE 10 OZ) was approved by Council in Deember 2024 and by-law 1414-2024 in force and effect.
110 m away689 KING ST WSite planUnder Review
To construct 11 and 18 storey hotel with 272 suites and a restaurant at-grade. Related applications include zoning by-law amendment application 19 115906 STE 10 OZ.
140 m away689 KING ST WOfficial plan or zoning amendmentApplication Received
Proposed 30-storey mixed-use development, comprised of hotel uses on the first 13-storeys, including a restaurant and 251 hotel suites, and residential uses above, between levels 14-30, including a total of 160 purpose-built rental units.
140 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
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St Andrew Station | TTC subway: Line 1 Yonge-University | 1.4 km |
| Osgoode Station | TTC subway: Line 1 Yonge-University | 1.5 km |
| Exhibition GO | GO Transit train: Lakeshore West | 1.6 km |
| St Patrick Station | TTC subway: Line 1 Yonge-University | 1.6 km |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 1.8 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 |
|---|---|---|---|
| St Mary Catholic SchoolToronto CDSB | Catholic · grades JK–8 · French Immersion | 350 m | 75%Grade 6 average |
| Niagara Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 500 m | 95%Grade 6 average |
| Bishop Macdonell Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 750 m | 84%Grade 6 average |
| École élémentaire Pierre-Elliott-TrudeauConseil scolaire Viamonde | French-language public · grades JK–6 | 1.4 km | 94%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| City SchoolToronto DSB | Public · grades 9–12 | 950 m | — |
| Heydon Park Secondary SchoolToronto DSB | Public · grades 9–12 | 1.4 km | 8%Grade 9 math |
| Msgr Fraser College (Southwest)Toronto CDSB | Catholic · grades 9–12 | 1.6 km | — |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 2.9 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 Waterfront Communities C1 are shown to signed-in members.