- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1,500–2,000sq ft
- Per sq ft
- $697at the range’s middle
- Lot
- 22.83 x 120 ft
- Tax a year
- $7,8272026 tax year
- Parking
- 11 detached
- Days on market
- Members
The brief
About 89 Spruce Hill Rd
89 Spruce Hill Rd is a 3-bedroom, 2-bathroom detached house in The Beaches, Toronto, listed for sale at an asking price of $1,218,888 (MLS® E14115178).
Fantastic Opportunity in Toronto's Highly Sought-After Beaches Neighbourhood! Discover the incredible potential of this charming detached 3-bedroom home in one of Toronto's most desirable communities! Featuring three generously sized bedrooms, spacious living and dining rooms on the main floor, a recreation room in the basement, a private backyard, and a detached garage, this property offers space, comfort, and endless possibilities. Move in and enjoy as is, or bring your creative vision to life with modern updates and personal touches. Perfect for families, renovators, or savvy investors looking for an opportunity in a prime location. Enjoy the vibrant Beaches lifestyle, with its beautiful waterfront, parks, shops, restaurants, and public transit within walking distance. A rare opportunity to own a detached home in this sought-after neighbourhood. Make it your own and unlock its full potential!New Roof 2023, Eavestrough, Downpipe and Leaf guard 2019.
Insights
Condition Score
Fair61/100Listing notes possible renovation needs
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall14/100−$2,838/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 8 homes with 3 bedrooms for lease in The Beaches right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $7,827 / 2026
- MLS® number
- E14115178
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 22.83 x 120 ft
- Listed on
- Parking
- 1 Detached, 1 Parking
Property details
Property
- Property Type
- Detached
- Style
- 2-Storey
- Community
- The Beaches
- Municipality
- Toronto
Building
- Size
- 1500-2000 sqft
- Construction
- Brick
Inside
- Bedrooms
- 3
- Bathrooms
- 2
- Bathroom Details
- 1 × 2pc Bsmt, 1 × 3pc 2nd
- Basement Type
- Full
- Kitchens
- 1
Parking
- Garage Type
- Detached
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 22.83 ft
- Depth
- 120 ft
- Lot Size
- 22.83 x 120 ft
Additional
- Foundation
- Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.35 × 4.57 m | Large Window, Open Concept, carpet free | Main |
| Dining | 3.35 × 3.05 m | Large Window, Open Concept, carpet free | Main |
| Kitchen | 4.63 × 3.35 m | Large Window, Breakfast Area | Main |
| Primary | 3.66 × 4.63 m | Large Window, Closet, carpet free | 2nd |
| 2nd Br | 3.2 × 3.66 m | Large Window, Closet, carpet free | 2nd |
| 3rd Br | 3.05 × 3.35 m | Large Window, Closet, carpet free | 2nd |
| Rec | 4.42 × 9.75 m | Large Closet, Open Concept, carpet free | Bsmt |
Listing history
Buy/sell history for 89 Spruce Hill Rd, 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 | $1,218,888 | N/A | For Sale | E14115178 |
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
- $243,778
- Total mortgage amount
- $975,110
- Total interest payment
- $693,190
- Total purchase cost
- $1,912,078
- Mortgage payment
- $5,561/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
61%Monthly carrying cost
$6,213- Rent $3,375
- Shortfall $2,838
Rental income opens at $3,375, the median asking rent of 8 comparable homes for lease in The Beaches. 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
- $20,853
- Toronto municipal land transfer tax
- $20,853
- Total land transfer tax
- $41,706
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $33,231
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 $1,218,888
- $16,378
- Ontario total
- $20,853
Toronto’s municipal tax uses the same brackets at this price, so it adds another $20,853.
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
- 22.83 ft7 m
- Depth
- 120 ft36.6 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, 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 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 m250 m
Toronto and Region Conservation Authority · Province of Ontario open data
Planning and building activity4
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- 35 building permits issued within 250 m in the last 2 years250 m
- Nearest airport: 9.3 km9.3 km
- Mapped parcel: about 3,200 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 · toronto.parcels
Around the home1
- 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
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is City of Toronto — R.C. Harris Filtration Plant, 850 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.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 this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (10 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Beanfield Metroconnect, Bell, FibreStream. Cable: Rogers. DSL: Bell. Fixed wireless: Rogers, Routcom. 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
- 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)By-law
569-2013Municipality
Toronto1 d0.6
Density: floor area is capped at 0.6 times the lot area.
2 Where this is written
Chapter 10, section 10.10 of By-law 569-2013
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
No building permits on file at this address.
Signals around this home
Changing nearby. 5 open development applications within 800 m of this home.
851 KINGSTON RDOfficial plan or zoning amendmentAppeal Received
Proposed 11-storey mixed-use building at 847-855 Kingston Road with 99 residential units. It would have a total gross floor area of approximately 7,195 square metres, including 6,823 square metres of residential space and 371 square metres of retail commercial space at grade. 32 vehicle parking spaces, 109 bicycle parking spaces and 1 Type G loading space is proposed. This file was originally circulated and commented on as a 7-storey proposal containing 29 residential units, ground floor commercial, and 2 levels of below grade parking at 847-853 Kingston Rd. The property at 855 Kingston Rd has since been purchased, and the proposal has been updated to reflect the new lot consolidation.
580 m away849 KINGSTON RDOfficial plan or zoning amendmentAppeal Received
Proposed 11-storey mixed-use building at 847-855 Kingston Road with 99 residential units. It would have a total gross floor area of approximately 7,195 square metres, including 6,823 square metres of residential space and 371 square metres of retail commercial space at grade. 32 vehicle parking spaces, 109 bicycle parking spaces and 1 Type G loading space is proposed. This file was originally circulated and commented on as a 7-storey proposal containing 29 residential units, ground floor commercial, and 2 levels of below grade parking at 847-853 Kingston Rd. The property at 855 Kingston Rd has since been purchased, and the proposal has been updated to reflect the new lot consolidation.
580 m away853 KINGSTON RDOfficial plan or zoning amendmentAppeal Received
Proposed 11-storey mixed-use building at 847-855 Kingston Road with 99 residential units. It would have a total gross floor area of approximately 7,195 square metres, including 6,823 square metres of residential space and 371 square metres of retail commercial space at grade. 32 vehicle parking spaces, 109 bicycle parking spaces and 1 Type G loading space is proposed. This file was originally circulated and commented on as a 7-storey proposal containing 29 residential units, ground floor commercial, and 2 levels of below grade parking at 847-853 Kingston Rd. The property at 855 Kingston Rd has since been purchased, and the proposal has been updated to reflect the new lot consolidation.
580 m away847 KINGSTON RDOfficial plan or zoning amendmentAppeal Received
Proposed 11-storey mixed-use building at 847-855 Kingston Road with 99 residential units. It would have a total gross floor area of approximately 7,195 square metres, including 6,823 square metres of residential space and 371 square metres of retail commercial space at grade. 32 vehicle parking spaces, 109 bicycle parking spaces and 1 Type G loading space is proposed. This file was originally circulated and commented on as a 7-storey proposal containing 29 residential units, ground floor commercial, and 2 levels of below grade parking at 847-853 Kingston Rd. The property at 855 Kingston Rd has since been purchased, and the proposal has been updated to reflect the new lot consolidation.
580 m away855 KINGSTON RDOfficial plan or zoning amendmentAppeal Received
Proposed 11-storey mixed-use building at 847-855 Kingston Road with 99 residential units. It would have a total gross floor area of approximately 7,195 square metres, including 6,823 square metres of residential space and 371 square metres of retail commercial space at grade. 32 vehicle parking spaces, 109 bicycle parking spaces and 1 Type G loading space is proposed. This file was originally circulated and commented on as a 7-storey proposal containing 29 residential units, ground floor commercial, and 2 levels of below grade parking at 847-853 Kingston Rd. The property at 855 Kingston Rd has since been purchased, and the proposal has been updated to reflect the new lot consolidation.
580 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
Detached homes for sale in The Beaches right now
- For sale now
- 25
- Median asking price
- $2.45M
- New in 7 days
- 5
- Price cuts
- 4%
Middle half: $1.74M to $3.35M
11 in 28 days
1 listing
This home is asking 50% below the median, lower than three quarters of them.
See all homes in The BeachesAsking 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 |
|---|---|---|
| Danforth GO | GO Transit train: Lakeshore East | 1.5 km |
| Main Street Station | TTC subway: Line 2 Bloor-Danforth | 1.8 km |
| Victoria Park Station | TTC subway: Line 2 Bloor-Danforth | 2.2 km |
| Woodbine Station | TTC subway: Line 2 Bloor-Danforth | 2.3 km |
| Coxwell Station | TTC subway: Line 2 Bloor-Danforth | 2.9 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 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 |
|---|---|---|---|
| Balmy Beach Community SchoolToronto DSB | Public · grades JK–6 | 150 m | 83%Grade 6 average |
| St Denis Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 200 m | 83%Grade 6 average |
| Williamson Road Junior Public SchoolToronto DSB | Public · grades JK–6 · French Immersion | 650 m | 87%Grade 6 average |
| ÉÉC Georges-Étienne-CartierConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 2.4 km | 84%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Neil McNeil High SchoolToronto CDSB | Catholic · grades 9–12 | 700 m | 69%Grade 9 math |
| Notre Dame Catholic High SchoolToronto CDSB | Catholic · grades 9–12 | 700 m | 67%Grade 9 math |
| Malvern Collegiate InstituteToronto DSB | Public · grades 9–12 · French Immersion | 900 m | 78%Grade 9 math |
| École secondaire Michelle-O'BonsawinConseil scolaire Viamonde | French-language public · grades 9–12 | 3.4 km | 79%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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Recently sold nearby
Sold prices in The Beaches are shown to signed-in members.