- Bedrooms
- 2+1
- Bathrooms
- 3
- Size
- 1,100–1,500sq ft
- Per sq ft
- $1,076at the range’s middle
- Lot
- 20.08 x 110 ft
- Tax a year
- $6,2922026 tax year
- Parking
- 11 detached
- Days on market
- Members
The brief
About 195 Niagara St
195 Niagara St is a 2+1-bedroom, 3-bathroom semi-detached house in Niagara, Toronto, listed for sale at an asking price of $1,399,000 (MLS® C13782760).
Set along one of downtown Toronto's most established residential streets, 195 Niagara is a two-storey semi-detached property offering three units, a detached one-car garage and a location that places some of the city's best neighbourhood amenities within easy reach. The main-floor one-bedroom is the standout, pairing generous proportions with character details that give the space a distinct sense of place. Soaring ceilings are complemented by skylights that bring natural light into the living area, while a tin ceiling adds architectural interest to the separate dining room. A large chef's kitchen anchors the rear of the home and walks out to a private outdoor space framed by a pergola-a welcome extension of the living space in the warmer months. Upstairs, the second one-bedroom unit is thoughtfully laid out with clearly defined living spaces. A separate eat-in kitchen sits apart from the living room, while the bedroom offers a dedicated closet and comfortable proportions. The lower level is home to a quaint bachelor suite with its own separate eat-in kitchen, tiled floors and ample storage. With access available from both the front and rear of the property, the space offers a practical and efficient layout. Shared laundry facilities are also conveniently located on the lower level.The property has benefited from a number of meaningful improvements over the years, including a new main roof, garage roof and skylights in 2019. More recently, the interior has been refreshed with a new coat of paint, while the front exterior has received fresh paint, brick repairs and updated landscaping. Outside, a detached one-car garage adds valuable downtown utility. The location brings together the residential character of Niagara Street with exceptional access to the city. The 511 Bathurst streetcar stops at Niagara Street, while the 504 King streetcar runs nearby along King West, providing a direct connection through the downtown core.
Insights
Condition Score
Good73/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall18/100−$2,907/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 17 homes with 3 bedrooms for lease in Niagara right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $6,292 / 2026
- MLS® number
- C13782760
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 20.08 x 110 ft
- Listed on
- Parking
- 1 Detached, 1 Parking
Property details
Property
- Property Type
- Semi-Detached
- Style
- 2-Storey
- Community
- Niagara
- Municipality
- Toronto
Building
- Size
- 1100-1500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 2+1
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc Bsmt, 1 × 3pc Main, 1 × 4pc 2nd
- Basement Type
- Finished with Walk-Out
- Kitchens
- 2
Parking
- Driveway
- Lane
- Garage Type
- Detached
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Water
- Municipal
- Cooling
- None
- Heating Type
- Baseboard
Land
- Sewer
- Sewers
- Frontage
- 20.08 ft
- Depth
- 110 ft
- Lot Size
- 20.08 x 110 ft
Additional
- Foundation
- Brick
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Queen West and its shops, restaurants and cafés are also close at hand, with the 501 Queen route serving Niagara Street. Green space is woven into the neighbourhood, with Victoria Memorial Square at 10 Niagara Street, Stanley Park nearby and Trinity Bellwoods Park within the broader neighbourhood. King West, Queen West, Front Street, Fort York and the downtown core are all readily accessible, creating a location that balances neighbourhood living with the energy and convenience of central Toronto. Inclusions: 3 Fridges, 3 Stoves, Dishwasher, Washer, Dryer, ELFs, Hot Water Tank.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 4.47 × 1.73 m | Tile Floor, Renovated, Eat-In Kitchen | Main |
| Living | 5.38 × 3.56 m | Skylight, Open Concept, W/O To Yard | Main |
| Dining | 3.89 × 3.56 m | hardwood floor, Open Concept, O/Looks Dining | Main |
| Br | 4.75 × 3.2 m | hardwood floor, Large Window | Main |
| Living | 3.38 × 2.44 m | Large Window, hardwood floor | 2nd |
| Kitchen | 3.48 × 2.46 m | Eat-In Kitchen, Large Window, Tile Floor | 2nd |
| 2nd Br | 3.99 × 2.46 m | hardwood floor, Large Window | 2nd |
| Living | 7.52 × 4.34 m | Tile Floor, Open Concept, Combined W/Br | Lower |
| Kitchen | 3.48 × 2.46 m | Tile Floor, Eat-In Kitchen | Lower |
| Laundry | 3.28 × 2.06 m | Partly Finished, Tile Floor | Lower |
Listing history
Buy/sell history for 195 Niagara 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 | $1,399,000 | N/A | For Sale | C13782760 |
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
- $279,800
- Total mortgage amount
- $1,119,200
- Total interest payment
- $795,700
- Total purchase cost
- $2,194,700
- Mortgage payment
- $6,383/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
56%Monthly carrying cost
$6,907- Rent $4,000
- Shortfall $2,907
Rental income opens at $4,000, the median asking rent of 17 comparable homes for lease in Niagara. 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
- $24,455
- Toronto municipal land transfer tax
- $24,455
- Total land transfer tax
- $48,910
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $40,435
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 $1,399,000
- $19,980
- Ontario total
- $24,455
Toronto’s municipal tax uses the same brackets at this price, so it adds another $24,455.
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 Yossi Kaplan, MBA, Salesperson 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
- 2,209 sq ft205 m²
- Street frontage
- 20.08 ft6.1 m
- Depth
- 110 ft33.5 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.
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 m37 test or monitoring holes also recorded.250 m
- Groundwater recorded about 2.5 m below ground nearbyThe middle water level in the well records within 500 m (389 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
- 68 building permits issued within 250 m in the last 2 years250 m
- 8 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 1.4 km1.4 km
- Mapped parcel: about 2,540 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: 230 m230 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 City of Toronto — 1116 King Street West, 1.5 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 1 federal contaminated site 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 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 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
- 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
By-law
See Former City of Toronto By-Law No. 438-86What this means:the City’s 2013 zoning by-law does not cover this land, so the former municipality’s by-law still sets what may be built. Confirm the rules with the City before you plan.
City of Toronto zoning map, read at this address. 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.
788 KING ST WOfficial plan or zoning amendmentAppeal Received
Zoning By-law amendment to facilitate the redevelopment of the site for an 18-storey mixed-use building having a non-residential gross floor area of 714 square metres, and a residential gross floor area of 24,126 square metres. 373 residential units are proposed.
130 m away786 KING ST WOfficial plan or zoning amendmentAppeal Received
Zoning By-law amendment to facilitate the redevelopment of the site for an 18-storey mixed-use building having a non-residential gross floor area of 714 square metres, and a residential gross floor area of 24,126 square metres. 373 residential units are proposed.
140 m away782 KING ST WOfficial plan or zoning amendmentAppeal Received
Zoning By-law amendment to facilitate the redevelopment of the site for an 18-storey mixed-use building having a non-residential gross floor area of 714 square metres, and a residential gross floor area of 24,126 square metres. 373 residential units are proposed.
150 m away780 KING ST WOfficial plan or zoning amendmentAppeal Received
Zoning By-law amendment to facilitate the redevelopment of the site for an 18-storey mixed-use building having a non-residential gross floor area of 714 square metres, and a residential gross floor area of 24,126 square metres. 373 residential units are proposed.
160 m away778 KING ST WOfficial plan or zoning amendmentAppeal Received
Zoning By-law amendment to facilitate the redevelopment of the site for an 18-storey mixed-use building having a non-residential gross floor area of 714 square metres, and a residential gross floor area of 24,126 square metres. 373 residential units are proposed.
170 m away133 NIAGARA STSite planUnder Review
Site Plan Control application for three mixed-use buildings with a total of 1,225 dwelling units and 3,370 square metres of non-residential gross floor area that are proposed to be constructed in two phases. Phase 1 is proposed to be 31 storeys (110.5 metres), and Phase 2 is proposed to be 40 storeys (130.5 metres) and 12 storeys (45.4 metres). All three buildings will have a shared two-storey below grade parking garage with a total of 401 vehicular parking spaces.
200 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
Semi-detached homes for sale in Niagara right now
- For sale now
- 7
- Median asking price
- $1.4M
- New in 7 days
- 0
- Price cuts
- 0%
Middle half: $1.04M to $1.51M
4 in 28 days
0 listings
This home is asking at the median.
See all homes in NiagaraAsking 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 |
|---|---|---|
| Exhibition GO | GO Transit train: Lakeshore West | 1.2 km |
| St Andrew Station | TTC subway: Line 1 Yonge-University | 1.9 km |
| Osgoode Station | TTC subway: Line 1 Yonge-University | 1.9 km |
| St Patrick Station | TTC subway: Line 1 Yonge-University | 2.1 km |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 2.3 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 |
|---|---|---|---|
| Niagara Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 200 m | 95%Grade 6 average |
| St Mary Catholic SchoolToronto CDSB | Catholic · grades JK–8 · French Immersion | 450 m | 75%Grade 6 average |
| Charles G Fraser Junior Public SchoolToronto DSB | Public · grades JK–6 | 700 m | 87%Grade 6 average |
| École élémentaire Pierre-Elliott-TrudeauConseil scolaire Viamonde | French-language public · grades JK–6 | 1.2 km | 94%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| City SchoolToronto DSB | Public · grades 9–12 | 1.1 km | — |
| Msgr Fraser College (Southwest)Toronto CDSB | Catholic · grades 9–12 | 1.2 km | — |
| Heydon Park Secondary SchoolToronto DSB | Public · grades 9–12 | 1.7 km | 8%Grade 9 math |
| ÉSC Saint-Frère-AndréConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 2.9 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
Similar Active Listings
Recently sold nearby
Sold prices in Niagara are shown to signed-in members.