408-456 COLLEGE St
Palmerston-Little Italy, Toronto, Ontario M6G 4A3
- Bedrooms
- 1+1
- Bathrooms
- 1
- Size
- 700–799sq ft
- Per sq ft
- $866at the range’s middle
- Tax a year
- $2,6702026 tax year
- Built
- 31-50
- Parking
- 11 underground
- Days on market
- Members
The brief
About 408-456 COLLEGE St
408-456 COLLEGE St is a 1+1-bedroom, 1-bathroom condo in Palmerston-Little Italy, Toronto, listed for sale at an asking price of $649,000 (MLS® C14116102).
Holy character! Anchored by a restored 1884 Gothic Revival church tower, this boutique residence brings heritage charm to the heart of Palmerston and Little Italy. Inside, 721 square feet of bright, west facing living space delivers a functional layout with plenty of storage throughout. The spacious bedroom easily fits a king size bed and features a walk in closet, while the versatile den can serve as a private office or be converted into a second bedroom. Enjoy beautiful afternoon light, one parking space and one locker, both conveniently located on P2. Building amenities include a rooftop terrace with skyline views, fitness centre, sauna and party room. Steps from incredible restaurants, cafes, Kensington Market, U of T, parks, groceries and the 24 hour College and Bathurst streetcars. A home with smart space, sunshine and some serious architectural soul!
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall17/100−$1,836/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 14 homes with 2 bedrooms for lease in Palmerston-Little Italy right now. Cost of owning counts the mortgage, property tax and the condo fee.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $2,670 / 2026
- MLS® number
- C14116102
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Building Age
- 31-50
- Days on market
- Size
- 700-799 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Loft
- Community
- Palmerston-Little Italy
- Municipality
- Toronto
Building
- Size
- 700-799 sqft
- Building Age
- 31-50
- Construction
- Brick
Inside
- Bedrooms
- 1+1
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Cooling
- Central Air
- Heating Type
- Forced Air
Additional
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- Existing appliances, All existing light fixtures and window coverings, One parking space and one locker, both conveniently located on P2
- Condo maint.
- $1,102
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.61 × 2.69 m | Large Window, Electric Fireplace, O/Looks Dining | Flat |
| Dining | 2.11 × 3.02 m | Breakfast Area | Flat |
| Kitchen | 2.77 × 4.04 m | Centre Island | Flat |
| Br | 3.73 × 2.79 m | W/I Closet | Flat |
| Den | 2.13 × 3.12 m | Large Window | Flat |
| Bathroom | 3.02 × 1.68 m | Combined W/Laundry | Flat |
| Foyer | 1.96 × 2.26 m | Double Closet | Flat |
Listing history
Buy/sell history for 408-456 COLLEGE 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 | $649,000 | N/A | For Sale | C14116102 |
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
- $129,800
- Total mortgage amount
- $519,200
- Total interest payment
- $369,100
- Total purchase cost
- $1,018,100
- Mortgage payment
- $2,961/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
70%Monthly carrying cost
$4,286- Rent $2,450
- Shortfall $1,836
Rental income opens at $2,450, the median asking rent of 14 comparable homes for lease in Palmerston-Little Italy. 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
- $9,455
- Toronto municipal land transfer tax
- $9,455
- Total land transfer tax
- $18,910
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $10,435
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 $649,000
- $4,980
- Ontario total
- $9,455
Toronto’s municipal tax uses the same brackets at this price, so it adds another $9,455.
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
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 m27 test or monitoring holes also recorded.250 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
- 70 building permits issued within 250 m in the last 2 years250 m
- 1 open development application within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 2.7 km2.7 km
- Mapped parcel: about 9,090 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 The Governing Council of the University of Toronto — St George Campus, 1.1 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, 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
CR 3.0 (c3.0; r3.0) SS2 (x2512)By-law
569-2013Municipality
Toronto1 3.0
Density: total floor area is capped at 3.0 times the lot area.
2 c3.0
Commercial floor area is capped at 3.0 times the lot area.
3 r3.0
Residential floor area is capped at 3.0 times the lot area.
4 x2512
Site-specific exception 2512: this site has rules of its own, written in the by-law.
5 SS2
Standards set 2: the setback, height and coverage rules the by-law applies to this zone.
6 Where this is written
Chapter 40, section 40.10 of By-law 569-2013 · Exception 900.11.10(2512)
7 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
4 building permits cleared at this address in the City’s file.
Garage Repair/ReconstructionClosed
Proposed parking garage repairs
Issued June 20, 2024
Balcony/Guard RepairsInspection
Guard replacement at terraces
Issued July 27, 2020
Garage Repair/ReconstructionClosed
Applicant proposed parking Garage Repair
Issued October 6, 2016
Fire AlarmClosed
Proposal to replace the fire alarm panel and add voice communication speakers.
Issued May 19, 2016
City of Toronto Open Data — cleared building permits, which begin in 2017. Contains information licensed under the Open Government Licence – Toronto.
Signals around this home
Changing nearby. 4 open development applications within 800 m of this home.
452 BATHURST STSite planUnder Review
Site Plan Approval application to facilitate the redevelopment of the site for a 6-storey mixed-use building having a non-residential gross floor area of 365.70 square metres, and a residential gross floor area of 5,543.5 square metres. A total of 49 residential dwelling units are proposed. A Zoning By-law Amendment application is being processed concurrently. See 21 226193 STE 11 OZ.
130 m away309 AUGUSTA AVEOfficial plan or zoning amendmentUnder Review
Proposed six storey hotel with restaurant components containing 2194sqm of non-residential gross floor area. No parking is proposed.
470 m away502 SPADINA AVESite planUnder Review
Proposed nine-storey mixed-use building with a residential gross floor area of 8,213 square metres, including 109 affordable rental units, and a non-residential gross floor area of 3,185 square metres.
650 m away508 SPADINA AVESite planUnder Review
Proposed nine-storey mixed-use building with a residential gross floor area of 8,213 square metres, including 109 affordable rental units, and a non-residential gross floor area of 3,185 square metres.
660 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 |
|---|---|---|
| Bathurst Station | TTC subway: Line 2 Bloor-Danforth | 1.1 km |
| Christie Station | TTC subway: Line 2 Bloor-Danforth | 1.2 km |
| Spadina Station | TTC subway: Line 1 Yonge-University, Line 2 Bloor-Danforth | 1.2 km |
| Queen's Park Station | TTC subway: Line 1 Yonge-University | 1.5 km |
| Exhibition GO | GO Transit train: Lakeshore West | 2.5 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 |
|---|---|---|---|
| King Edward Junior and Senior Public SchoolToronto DSB | Public · grades JK–8 · French Immersion | 200 m | 82%Grade 6 average |
| Kensington Community School School JuniorToronto DSB | Public · grades JK–6 | 200 m | 97%Grade 3 average |
| St Francis of Assisi Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 500 m | 80%Grade 6 average |
| École élémentaire Pierre-Elliott-TrudeauConseil scolaire Viamonde | French-language public · grades JK–6 | 700 m | 94%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Central Technical SchoolToronto DSB | Public · grades 9–12 | 700 m | 34%Grade 9 math |
| Harbord Collegiate InstituteToronto DSB | Public · grades 9–12 · French Immersion | 700 m | 77%Grade 9 math |
| Loretto College SchoolToronto CDSB | Catholic · grades 9–12 | 950 m | 40%Grade 9 math |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 2.6 km | 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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