MLS® listing
195 Niagara Street: semi-detached house for sale
$1,399,000
From the listing brokerage
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.
Facts on the listing
| Square feet | 1100-1500 |
|---|---|
| Style | 2-Storey |
| Basement | Finished with Walk-Out, Apartment |
| Lot width | 20.08 |
| Lot depth | 110 |
| Lot measured in | Feet |
| Faces | West |
| Parking spaces | 1 |
| Garage | Detached |
| Heating | Baseboard |
| Cooling | None |
| Kitchens | 3 |
| Property tax | $6,292 |
| Tax year | 2026 |
| Parking | Lane |
| Interior features | None |
Listing courtesy of PROPERTY.CA INC.. MLS® C13782760.
About this semi-detached house
195 Niagara Street is a 3 bedroom semi-detached house in TRREB's Niagara community in Toronto, listed for sale at $1,399,000. The listing shows 3 bathrooms and 1100-1500 square feet. The style is given as 2-storey. The lot is listed as 20.08 by 110 feet. The listing gives the basement as finished with walk-out, apartment. It comes with 1 parking space and a detached garage according to the listing. The nearest main intersection given is King St W & Niagara St.
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 195 Niagara Street
At the asking price of $1,399,000, 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 | $1,399,000 |
|---|---|
| Ontario land transfer tax | $24,455 |
| Toronto municipal land transfer tax | $24,455 |
| Both taxes | $48,910 |
| First-time buyer relief, if you qualify | up to $8,475 |
| Minimum down payment | $114,900 |
The down payment figure is the federal minimum: 5 percent of the first $500,000 and 10 percent of the rest. A lender can ask for more. These figures use the asking price, so they change if you pay more or less. 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) | $6,292 a year, about $524 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 $1,399,000, which is $418,000 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 baseboard.
- 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, 20.08 by 110 feet.
- Ask about permits. Ask which renovations had building permits and whether those permits were closed. The listing shows 3 kitchens. If there is a second unit, ask whether it meets the municipality's rules for one.
- 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.
Toronto neighbourhoods and prices
Our neighbourhood guides set out TRREB prices by home type, transit and the housing in each area we cover.
Toronto neighbourhood guides · Toronto house prices · All Toronto homes for sale
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Questions about 195 Niagara Street
How much is land transfer tax on 195 Niagara Street?
At the asking price of $1,399,000 the Ontario tax is $24,455 and the Toronto tax is $24,455, $48,910 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 195 Niagara Street?
$114,900 at the asking price of $1,399,000, under the federal minimum down payment rules. A lender may require more.
How much is the property tax on 195 Niagara Street?
The listing shows $6,292 a year for 2026, about $524 a month.
Is 195 Niagara Street priced above or below the median?
It is listed at $1,399,000. 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 $418,000 higher. The median covers all sizes and neighbourhoods.
How do I book a showing for 195 Niagara Street?
Use the form on this page or call us. Quote MLS® C13782760. We will confirm the listing is still available and arrange a time with the listing brokerage.
Is 195 Niagara Street 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.
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