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15 - 30 Livingston Road
Guildwood, Toronto
$689,000
Welcome to this well-located 3-bedroom, 3-bathroom townhome in the heart of Guildwood overlooking the Scarborough's Bluffs and Lake Ontario, tucked inside a well-managed complex and ideal for first-time buyers, commuters, and nature lovers alike. Step outside and you're one minute from the trail, with direct access to the scenic Bluff trails for walks, runs, and weekend escapes. Commuting is easy: Guildwood GO is a 15-minute walk, and a direct bus takes you to Kennedy Station in about 15 minutes. Five nearby schools make this a great fit for growing families, The Guild Inn Estate Park and the Clark Centre for the Arts. Inside, enjoy a functional layout with three bathrooms, a cozy electric fireplace in the recreation room, proximity to the lake, the bluffs, and transit, all in one place.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,527
- Property tax
- $244
- Heat allowance
- $150
- Condo fees, half counted
- $332
- Housing costs
- $4,253 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$131,000
gross annual household income
- Payment at 4%
- $2,899 / mo
- Cash down
- $137,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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