MLS® listing
40 Bernadine Street: detached house for sale
$899,000
From the listing brokerage
In the heart of Scarborough City Centre, this sun-filled raised bungalow pairs everyday convenience with space, privacy and flexibility. A modern façade, expansive private drive and impressive 50ft, pool-sized lot set the stage for a home that feels welcoming from the moment you walk through the door. The bright main level features dramatic near-floor-to-ceiling windows in the elegant living room and an oversized dining room ready for family dinners or holiday gatherings. The eat-in kitchen walks out to the raised deck, making indoor-outdoor living refreshingly easy. Three spacious bedrooms include a primary with room for a king-sized bed, all served by a 4pc. bathroom. Downstairs is no afterthought. A private, above-grade separate entrance opens to a bright, versatile lower level with its own kitchen, full 4pc. bathroom, cozy family room with gas fireplace and sunlit fourth bedroom with room to sleep, work or play. Ideal for extended family, guests or the grown child whose departure date remains a mystery. A dedicated laundry room and cellar add practical storage, while the built-in garage offers direct basement access and space for the car, tools and weekend projects. The deep, private backyard is made for everything from dinners on the expansive deck to lazy hours in the hammock nook. A hardscaped patio and garden shed round out a yard equally suited to entertaining, gardening or doing absolutely nothing at all. Walk to Scarborough Town Centre for shopping, dining and daily essentials (plus a few wants). Birkdale Recreation Centre and the nearby ravine are about a five-minute walk away. Sought-after schools including St. Victor and St. Andrew's, multiple bus routes and Highway 401 just two minutes away make getting around easy. The planned Scarborough Centre subway station adds future rapid-transit appeal. Space to grow, room to gather and a backyard worth lingering in. This is Scarborough living with all the right connections.
Facts on the listing
| Square feet | 1100-1500 |
|---|---|
| Style | Bungalow-Raised |
| Basement | Finished with Walk-Out |
| Lot width | 50 |
| Lot depth | 103.58 |
| Lot measured in | Feet |
| Faces | North |
| Parking spaces | 2 |
| Garage | Built-In |
| Heating | Forced Air |
| Cooling | Central Air |
| Kitchens | 2 |
| Property tax | $4,504 |
| Tax year | 2026 |
| Parking | Private |
| Interior features | Primary Bedroom - Main Floor, Storage |
| Features | Fenced Yard, School, Public Transit, Rec./Commun.Centre |
Listing courtesy of REAL ESTATE HOMEWARD. MLS® E14128306.
About this detached house
40 Bernadine Street is a 4 bedroom detached house in TRREB's Bendale community in Toronto, listed for sale at $899,000. The listing shows 2 bathrooms and 1100-1500 square feet. The style is given as bungalow-raised. The lot is listed as 50 by 103.58 feet. The listing gives the basement as finished with walk-out. It comes with 2 parking spaces and a built-in garage according to the listing. The nearest main intersection given is Brimley and Ellesmere.
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 40 Bernadine Street
At the asking price of $899,000, 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 | $899,000 |
|---|---|
| Ontario land transfer tax | $14,455 |
| Toronto municipal land transfer tax | $14,455 |
| Both taxes | $28,910 |
| First-time buyer relief, if you qualify | up to $8,475 |
| Minimum down payment | $64,900 |
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) | $4,504 a year, about $375 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 550 detached house sales in the City of Toronto in August 2026, at a median price of $1,170,000 and an average of $1,525,749. This home is listed at $899,000, which is $271,000 below 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, 50 by 103.58 feet.
- Ask about permits. Ask which renovations had building permits and whether those permits were closed. The listing shows 2 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. The listing has a virtual tour, but 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 40 Bernadine Street
How much is land transfer tax on 40 Bernadine Street?
At the asking price of $899,000 the Ontario tax is $14,455 and the Toronto tax is $14,455, $28,910 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 40 Bernadine Street?
$64,900 at the asking price of $899,000, under the federal minimum down payment rules. A lender may require more.
How much is the property tax on 40 Bernadine Street?
The listing shows $4,504 a year for 2026, about $375 a month.
Is 40 Bernadine Street priced above or below the median?
It is listed at $899,000. The August 2026 median for detached house sales in the City of Toronto was $1,170,000 across 550 sales, so the asking price is $271,000 lower. The median covers all sizes and neighbourhoods.
How do I book a showing for 40 Bernadine Street?
Use the form on this page or call us. Quote MLS® E14128306. We will confirm the listing is still available and arrange a time with the listing brokerage.
Is 40 Bernadine 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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