$799K · 2+2 bed Detached · Birchcliffe-Cliffside, Toronto

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About this home

This stunning, fully renovated, inside and out, 2+2 bedroom, 2 kitchen bungalow sits on an impressive 40 x 125ft lot, offering endless possibilities, including a massive Garden Suite. Step inside to discover a bright and airy open-concept living space, featuring elegant crown molding, LED lighting, and stylish Engineered Hardwood flooring throughout. The modern kitchen is complete with stainless steel appliances, sleek cabinetry, quartz counters and conveniently located across the dining and liv…

Property details

MLS#

E13445372

Status

Buy Now

Beds

2+2

Baths

2 full, 0 half

Size

700-1100

Style

Bungalow

Type

Detached

Year built

—

Roof: Shingles
Foundation: Concrete
Other structures: Garden Shed
Property features: Fenced Yard, Park, Place Of Worship, Public Transit, Rec./Commun.Centre, School

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 40 × 125
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Stucco (Plaster) · Deck, Landscaped, Privacy
Fronting on: East
Cross street: St. Clair Ave. E & Kennedy Rd.
Basement: Finished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, In-Law Capability, In-Law Suite, Guest Accommodations
Parking features: Private

Level	Room	Dimensions
Main	Living Room	3.5m × 5.4m
Main	Dining Room	3.5m × 5.4m
Main	Kitchen	2m × 2m
Main	Primary Bedroom	3.2m × 3.8m
Main	Bedroom 2	2.9m × 3m
Basement	Recreation	2.7m × 3.1m
Basement	Kitchen	2.9m × 2.6m
Basement	Bedroom	1.95m × 2.9m
Basement	Bedroom 2	1.95m × 3m
Basement	Laundry	2.5m × 2.6m

Level

Room

Dimensions

Main

Living Room

3.5m × 5.4m

Main

Dining Room

3.5m × 5.4m

Main

Kitchen

2m × 2m

Main

Primary Bedroom

3.2m × 3.8m

Main

Bedroom 2

2.9m × 3m

Basement

Recreation

2.7m × 3.1m

Basement

Kitchen

2.9m × 2.6m

Basement

Bedroom

1.95m × 2.9m

Basement

Bedroom 2

1.95m × 3m

Basement

Laundry

2.5m × 2.6m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $799,000✓ $3,846 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,944/mo

incl. closing costs (yr 1)

Annual total

$71,325

year 1

Mortgage only

$3,031/mo

principal + interest

Beyond mortgage

$1,416/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$159,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$321/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$7,990/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$12,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $36,374/yr

Property taxes23% $16,301/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,990/yr

Closing costs7% $5,100/yr

Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$36,374	$3,031/mo
Government & taxes
Property tax	$3,846	$321/mo
Land transfer tax(closing)	$12,455	$1,038/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,990	$666/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$71,325	$5,944/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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297 Kennedy Road

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Annual costs