- Bedrooms
- 5
- Bathrooms
- 3
- Size
- 2,500–3,000sq ft
- Per sq ft
- $563at the range’s middle
- Lot
- 20 x 131.51 ft
- Tax a year
- $9,3362025 tax year
- Parking
- 4other
- Days on market
- Members
The brief
About 10 Earl St
10 Earl St is a 5-bedroom, 3-bathroom duplex in North St. James Town, Toronto, listed for sale at an asking price of $1,549,000 (MLS® C13850938).
Built in 1877. Renovated for the way you live now. Part of Windsor Terrace, a Victorian row on a hushed, tree-lined dead end in Upper Jarvis, this legal duplex on a deep 20 x 132 ft lot offers two self-contained homes, a rooftop terrace and tandem parking for four cars, all delivered vacant. Subway station is a 5-minute walk; Yorkville is 5 minutes by car. Bloor Streets shops, restaurants and parks are all within easy reach. A heated mudroom with custom cabinetry sets the tone at the front door. The owner renovated the two-floor main residence for themselves, and it shows: original exposed brick, a wood-burning fireplace, heated floors, and a kitchen in natural walnut and Corian with induction cooking and a custom pantry built for your wine fridge and espresso machine. The top floor is a private retreat, with a primary suite framed by custom walnut closets, a spa ensuite with rain shower, teak floor and Toto washlet, and a walk-out to a sun-soaked rooftop terrace wired for sound. Below, a recently renovated 2-bedroom suite with its own entrance, laundry, meter and walk0out to a private patio. Live up, rent down. Bring the family together. Or lease both on day one. Five bedrooms, two homes, one rare downtown address.
Insights
Condition Score
Good73/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall21/100−$3,045/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 160 homes with 5 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
- $9,336 / 2025
- MLS® number
- C13850938
- Board
- TRREB MLS®
- Property Type
- Duplex
- Days on market
- Size
- 2500-3000 sqft
- Lot Size
- 20 x 131.51 ft
- Listed on
- Parking
- Other, 4 Parking
Property details
Property
- Property Type
- Duplex
- Style
- 3-Storey
- Community
- North St. James Town
- Municipality
- Toronto
Building
- Size
- 2500-3000 sqft
- Construction
- Brick
Inside
- Bedrooms
- 5
- Bathrooms
- 3
- Bathroom Details
- 1 × 3pc Ground, 1 × 3pc 2nd, 1 × 3pc 3rd
- Basement Type
- Separate Entrance
- Kitchens
- 2
Parking
- Garage Type
- Other
- Additional Parking
- 4
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 20 ft
- Depth
- 131.51 ft
- Lot Size
- 20 x 131.51 ft
Additional
- Foundation
- Concrete Block
- Roof
- Shingles
- Fireplace
- Yes
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Franke sink, S/S appliances, Legrand designer switches and outlets, CAT-5 wiring, motion-activated mudroom lighting, custom storage bed, Sonos system, windows (2014), fireplace stack replaced (2014). Main Floor Unit: Fridge, Oven, Stovetop, Microwave, Dishwasher, Washer, Dryer and Fireplace. Upper Unit: Fridge, Stove, Hoodvent, Dishwasher, Washer, Dryer and Fireplace.All Electronic Light Fixtures, All Window Coverings and 2 A/C Units.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 5.55 × 4.08 m | hardwood floor, Stainless Steel Appl | 2nd |
| Kitchen | 3.88 × 4.28 m | hardwood floor, Stainless Steel Appl | Ground |
| Br | 4.31 × 2.81 m | hardwood floor, Window, Closet | 3rd |
| Primary | 4.29 × 5.6 m | hardwood floor, Window, Closet | 3rd |
| Br | 4.02 × 3.67 m | hardwood floor, Window, Closet | Ground |
| Br | 3.62 × 3.23 m | hardwood floor, Window, Closet | 2nd |
| Dining | 4.09 × 4.59 m | hardwood floor, Combined W/Living, Open Concept | 2nd |
| Dining | 4.44 × 7.84 m | hardwood floor, Combined W/Living | Ground |
| Living | 4.0 × 5.6 m | hardwood floor, Fireplace, Open Concept | 2nd |
Listing history
Buy/sell history for 10 Earl 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 | $1,549,000 | N/A | Pc | C13850938 |
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
- $309,800
- Total mortgage amount
- $1,239,200
- Total interest payment
- $880,900
- Total purchase cost
- $2,429,900
- Mortgage payment
- $7,067/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
54%Monthly carrying cost
$7,845- Rent $4,800
- Shortfall $3,045
Rental income opens at $4,800, the median asking rent of 160 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
- $27,455
- Toronto municipal land transfer tax
- $27,455
- Total land transfer tax
- $54,910
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $46,435
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 $1,549,000
- $22,980
- Ontario total
- $27,455
Toronto’s municipal tax uses the same brackets at this price, so it adds another $27,455.
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
- 2,630 sq ft244 m²
- Street frontage
- 20 ft6.1 m
- Depth
- 131.51 ft40.1 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 m81 test or monitoring holes also recorded.250 m
- Groundwater recorded about 12.7 m below ground nearbyThe middle water level in the well records within 500 m (364 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
- 19 building permits issued within 250 m in the last 2 years250 m
- 66 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 4.0 km4 km
- Mapped parcel: about 2,440 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 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
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Enwave Energy Corporation — Walton Street Steam Plant, 1.4 km away. Only facilities above the inventory’s reporting thresholds are listed.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 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, Routcom, 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 — Listed
- Not in a mapped Heritage Conservation District
- 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
R (d1.0) (x871)By-law
569-2013Municipality
Toronto1 d1.0
Density: floor area is capped at 1.0 times the lot area.
2 x871
Site-specific exception 871: this site has rules of its own, written in the by-law.
3 Where this is written
Chapter 10, section 10.10 of By-law 569-2013 · Exception 900.2.10(871)
4 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. 6 open development applications within 800 m of this home.
8 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
10 m away6 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
20 m away4 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
30 m away2 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
30 m away5 HUNTLEY STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
50 m away135 ISABELLA STSite planUnder Review
Proposed 69 storey residential building with 770 units.
60 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 |
|---|---|---|
| Sherbourne Station | TTC subway: Line 2 Bloor-Danforth | 400 m |
| Wellesley Station | TTC subway: Line 1 Yonge-University | 600 m |
| Bloor-Yonge Station | TTC subway: Line 1 Yonge-University, Line 2 Bloor-Danforth | 750 m |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 2.6 km |
| Eglinton Station | TTC subway: Line 1 Yonge-UniversityTTC light rail: Line 5 Eglinton | 4.4 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 |
|---|---|---|---|
| Our Lady of Lourdes Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 350 m | 66%Grade 6 average |
| Rose Avenue Junior Public SchoolToronto DSB | Public · grades JK–6 | 400 m | 49%Grade 6 average |
| Church Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 550 m | 72%Grade 6 average |
| École élémentaire Gabrielle-RoyConseil scolaire Viamonde | French-language public · grades JK–6 | 1.4 km | 96%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Msgr Fraser College (Isabella Campus)Toronto CDSB | Catholic · grades 9–12 | 150 m | — |
| Jarvis Collegiate InstituteToronto DSB | Public · grades 9–12 | 300 m | 34%Grade 9 math |
| Native Learning CentreToronto DSB | Public · grades 9–12 | 550 m | — |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 650 m | 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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