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Listed 3 months ago

B - 35 Spruce Street

Cabbagetown-South St. James Town, Toronto

$1,379,999

Freehold Townhouse|3-Storey
3 | 3 | 1 | 0
About this home

Tucked away in an exclusive Cabbage town enclave, this beautifully renovated freehold executive townhome offers a rare blend of privacy, luxury, and urban convenience. One of only six sought-after "Spruce Lane Townhomes," this spacious 3-bedroom, 2.5-bath residence is located on a quiet private interlocked laneway, perfect for families and professionals alike. The main floor features rich dark hardwood flooring, an open-concept living and dining area with gas fireplace, and a renovated chef-inspired kitchen with walkout to a charming private backyard complete with a deck perfect for BBQ area and entertaining. The second level offers a bright and spacious bedroom as well as an open concept bedroom(easily be converted back to a 3rd private bedroom) and a large bathroom. The third-floor primary retreat includes a private balcony, custom built-in closets, and a spa-like ensuite with shower, soaker tub, and double sinks. Lower level features a mudroom, laundry room with extra storage, powder room, and direct access to the oversized private garage. Ideally located steps to transit, parks, Riverdale Farm, shopping, cafés, and restaurants. A true Gem in a vibrant Toronto community.

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agent
Angela Montano
(647) 283-2643
TypeAtt/Row/Townhouse
Style3-Storey
Approx. Age16-30
Size1500-2000 sq. ft.
Property Tax$6,802
mls© NumberC13210892
Listed ByNEW ERA REAL ESTATE

Listing History

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  • No recent lease history for this listing.

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What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$7,063
Property tax
$567
Heat allowance
$150
Housing costs
$7,780 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $276,000
25-yr amortization

Income needed

$239,000

gross annual household income

Payment at 4%
$5,807 / mo
Cash down
$276,000

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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