MLS® listing
46 Bernard Avenue: semi-detached house for sale
$3,395,000
From the listing brokerage
46 Bernard Ave - your dream home you never thought you could buy! Located where the Annex meets Yorkville, steps to the shops, restaurants & energy of Ave & Dav, sits a Heritage Red-Brick Victorian w/ arched windows, incredible entertaining space & serious style. A true AAA+ location where you walk out your front door & are in the middle of it all without sacrificing the charm, space & privacy of a house. And not just any house! Move-in ready. Beautifully finished. 3 bedrms. 4 bathrms. Parking. A gym. Woodburning F/Place. Did I mention the Curved Windows?! And, if that wasn't enough to swoon over, there is an absolutely magical courtyard garden oasis that feels worlds away from the city all yours to enjoy. Inside, soaring proportions & oversized principal rooms are made for city living on a grand scale - dinner for 16? No problem. Cocktails for 50? Easy. The renovated eat-in kitchen is bright, design savvy & inviting, while the primary suite delivers the full wish list: fireplace, walk-in closet & a gorgeous marble ensuite w/ heated floors. The second bedrm overlooks the backyard w/ a lovely 4 piece, & the 3rd bedrm has multiple use options: Queen Bed for family or guests; office/den; or a fantasy dressing room/custom 'Carrie Bradshaw' closet for the primary! But the real story here is the opportunity: Coveted Red Brick Victorian. Incredible space. Stunning finishes. Outdoor space. Parking. Ample storage space. Move-in ready. And, all the excitement & energy of Yorkville just steps away on one of the most coveted streets in Prime Annex. This is the rare moment when the location you've always wanted, the house you thought was out of reach and an exceptional price all meet at the same address. Come view 46 Bernard before someone else buys your home!
Facts on the listing
| Square feet | 2000-2500 |
|---|---|
| Style | 2-Storey |
| Basement | Finished |
| Lot width | 22 |
| Lot depth | 80.62 |
| Lot measured in | Feet |
| Faces | North |
| Parking spaces | 1 |
| Garage | None |
| Heating | Forced Air |
| Cooling | Central Air |
| Kitchens | 1 |
| Property tax | $23,595 |
| Tax year | 2026 |
| Parking | Private |
| Interior features | Central Vacuum, Sump Pump |
| Features | Hospital, Library, Place Of Worship, Public Transit, Rec./Commun.Centre, School |
Listing courtesy of ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTAT. MLS® C13762652.
About this semi-detached house
46 Bernard Avenue is a 3 bedroom semi-detached house in TRREB's Annex community in Toronto, listed for sale at $3,395,000. The listing shows 4 bathrooms and 2000-2500 square feet. The style is given as 2-storey. The lot is listed as 22 by 80.62 feet. The listing gives the basement as finished. It comes with 1 parking space according to the listing. The nearest main intersection given is Davenport & Avenue.
These details come from the listing brokerage through TRREB's MLS® System. Room sizes, the lot, the taxes and what is included in the sale should all be confirmed before an offer is firm.
What it costs to buy 46 Bernard Avenue
At the asking price of $3,395,000, a buyer pays two land transfer taxes on closing: the Ontario tax and the City of Toronto's municipal tax. Both apply to every home inside the City.
| Asking price | $3,395,000 |
|---|---|
| Ontario land transfer tax | $71,350 |
| Toronto municipal land transfer tax | $78,855 |
| Both taxes | $150,205 |
| First-time buyer relief, if you qualify | up to $8,475 |
| Minimum down payment | $679,000 |
The down payment figure is the federal minimum: 20 percent, because a home at $1.5 million or more cannot carry mortgage default insurance. A lender can ask for more. These figures use the asking price, so they change if you pay more or less. The rates above $2,000,000 used here are the ones for a home with one or two single family residences. A property with more units is taxed differently. Legal fees, title insurance and adjustments are extra: ask your lawyer for a written quote. This is general information, not legal or tax advice. Confirm the figures with a lawyer or accountant. You can change the price in our land transfer tax calculator and our mortgage calculator.
What it costs to own each month
| Property tax (2026) | $23,595 a year, about $1,966 a month |
|---|
That is before a mortgage payment, home insurance and utilities. The listing shows no monthly maintenance fee, so upkeep of the building and the lot is the owner's own cost.
How the asking price compares
TRREB recorded 159 semi-detached house sales in the City of Toronto in August 2026, at a median price of $981,000 and an average of $1,110,639. This home is listed at $3,395,000, which is $2,414,000 above that median.
The median covers every neighbourhood, size and condition in the City of Toronto, so it is a reference point and not a valuation of this home. Location, size, lot, parking and condition all move the price. Our Toronto house prices page has the figures for every home type.
What to check before you make an offer
- Book a home inspection. An inspector looks at the roof, foundation, wiring, plumbing and heating. The listing gives the heating as forced air.
- Have a lawyer search the title. A title search shows mortgages, liens and easements registered against the property. Ask whether a survey exists and whether it matches the lot on the listing, 22 by 80.62 feet.
- Ask about permits. Ask which renovations had building permits and whether those permits were closed.
- Confirm what is included. Appliances, light fixtures and window coverings are included only if the agreement says so. Ask whether the water heater or furnace is rented.
- Get your financing in writing. A lender looks at the property tax and heating costs as well as the price.
- See it in person. Photos do not show noise, light at different hours or the state of the street and the homes beside it.
Our first-time home buyer guide and our page for buyers walk through each step. This is general information, not legal advice. Confirm the details with a lawyer.
About The Annex
Heritage districts, apartment buildings along Bloor Street and two subway lines meeting at Spadina and St George. The Annex sells more condo apartments than houses by a wide margin.
Transit: Spadina and St George stations (Line 1 and Line 2), Bathurst and Bay stations (Line 2), Dupont station (Line 1), 510 Spadina and 511 Bathurst streetcars, 26 Dupont bus
| Property type | Median | Sales and average |
|---|---|---|
| All property types | $1,240,000 | 133 sales, average $1,660,517 |
| Detached | About $1,950,000 | 8 sales, average about $2,882,000 |
| Semi-detached | About $1,725,000 | 27 sales, average about $2,056,000 |
| Freehold townhouse (TRREB att/row/townhouse) | About $1,825,000 | 9 sales, average about $1,796,000 |
| Condo townhouse | About $1,260,000 | 7 sales, average about $1,649,000 |
| Condo apartment | About $858,000 | 82 sales, average about $1,397,000 |
Source: TRREB community housing market reports, as set out in the guide.
Questions about The Annex
What did homes sell for in The Annex in spring 2026?
TRREB recorded 133 sales from April to June 2026 with a median of $1,240,000 and an average of $1,660,517 across all property types. Condo apartments were 82 of those sales, with a median of about $858,000.
Is The Annex a good place to live if you want to use the subway?
For subway access it is well placed, with Spadina and St George stations serving both Line 1 and Line 2, plus Bathurst, Bay and Dupont stations at its edges. From Spadina station, Union station is 7 stops on Line 1.
Are there heritage rules on houses in The Annex?
Parts of it are in Heritage Conservation Districts, including East Annex (1994) and West Annex Phase 1 on Madison Avenue, with West Annex Phase II in development. Check with the City whether a specific address is inside a district before planning exterior changes.
Are most homes in The Annex houses or apartments?
Apartments. In the 2021 Census 54.5% of the 16,325 private dwellings were in buildings of five or more storeys and 27.8% in buildings under five storeys, while single-detached houses were 3.8%.
Where is the library in The Annex?
The Toronto Public Library Spadina Road branch is at 10 Spadina Road. The Toronto Reference Library at 789 Yonge Street is to the east.
Read the The Annex neighbourhood guide · All The Annex homes for sale
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Questions about 46 Bernard Avenue
How much is land transfer tax on 46 Bernard Avenue?
At the asking price of $3,395,000 the Ontario tax is $71,350 and the Toronto tax is $78,855, $150,205 in total. A first-time buyer who qualifies can get up to $8,475 back. Confirm the final figures with your lawyer.
What is the minimum down payment for 46 Bernard Avenue?
$679,000 at the asking price of $3,395,000, under the federal minimum down payment rules. A lender may require more.
How much is the property tax on 46 Bernard Avenue?
The listing shows $23,595 a year for 2026, about $1,966 a month.
Is 46 Bernard Avenue priced above or below the median?
It is listed at $3,395,000. The August 2026 median for semi-detached house sales in the City of Toronto was $981,000 across 159 sales, so the asking price is $2,414,000 higher. The median covers all sizes and neighbourhoods.
How do I book a showing for 46 Bernard Avenue?
Use the form on this page or call us. Quote MLS® C13762652. We will confirm the listing is still available and arrange a time with the listing brokerage.
Is 46 Bernard Avenue still for sale?
This page is refreshed from TRREB's MLS® System through the day. If the listing sells or is withdrawn the page says so. Contact us to confirm before you make plans.
The listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose. The data is deemed reliable but is not guaranteed accurate by TRREB or PropTx. Each listing shows the brokerage that listed it. Listings are updated every few minutes.
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