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Investment signal

$4,100,000

96 HARBORD STREET

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Year

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Type

Retail

Suite

Investment signal

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Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Toronto (University). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Exceptional mix use building(s) with commercial + residential apartments. Turn key operation. Fully tenanted to AAA tenants with good income stream + attractive cap rate. Buildings have been well taken care of and operate smoothly. Beautiful detached character Victorian building fronting on vibrant Harbord Street + modern newly constructed 2-unit building at the back of the property with laneway access. Great design and build. Commercial tenant (established fine dining restaurant) occupies main floor + 2nd commercial tenant in basement. 2 bedroom apt on 2nd floor. 2-1bedroom loft style apartments on 3rd floor. The rear new build features a 1 bedroom apt and a 3 bedroom apartment (with 2 big balconies). Parking off laneway. Ideal central location close to downtown and U of T. Well managed building features many upgrades and improvements. Excellent investment opportunity in amazing location. Shops, easy access TTC transit, cafes, fine dining, professional offices are all in area. Min 24 hrs notice for showings. (id:65958)

Subtype: Retail
Structure: Residential Commercial Mix
Community: University
Living area: 5,000 square feet
Lot dimensions: 21 x 115 FT
Parking: 2 total
On market: Feb 19, 2026
Status changed: Apr 27, 2026
Annual tax: $19,159.22
Zoning: CR1.5(c1;r1*1928)
Photos: 41
MLS#: C12803014
Area: TORONTO_(UNIVERSITY)

Features and systems

Heating

Forced airNatural gas

Cooling

Fully air conditioned

Negative cash flow ~$4,228/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)Default 4.5% — adjust to your rate holdAmortization (years)

Cash on cash

-6.19%

Cap rate

3.63%

GRM

16.7

Break-even rent

$24,951

Financing

Down payment$820,000

Loan amount$3,280,000

Mortgage$16,619/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$1,879

Insurance$80

Maintenance$3,417

CapEx reserve$1,708

Vacancy loss$1,025

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Mortgage estimate

Estimated $16,619/mo at 4.5% with 20% down, 30-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 27, 2026.