Know the True Cost Before You Buy
Are you paying too much? What hidden costs are you taking on? And what will this home really cost you after you move in?
DealScore analyzes 100+ property, market, neighbourhood and financial signals to uncover hidden risks, estimate whether the asking price makes sense, and identify potential costs that could impact you after closing.
Enter the property address and find out what you're really buying — before you make an offer.
Illustrative property — price not shown
Detached single-family
- 1Technical Passport7
- 2Market Value & Comparables7
- 3Zoning & Future7
- 4Environmental Risks7
- 5Infrastructure9
- 6Education9
- 7Demographics7
- 8Financial Risks5
- 9Commercial Activity7
- 10Home Energy & Carbon6
This illustrative property scores 72/100. Key concerns in this mock-up: undeclared basement renovation (Block 1), MPAC AVM slightly below list (Block 2), a 38-storey rezoning application 120 m away (Block 3), flood-plain proximity 460 m from the TRCA regulated zone (Block 4), and rising 5-year fixed mortgage rates (Block 8) that may compress affordability at renewal. Positives: strong school catchment (Block 6) and 800 m to a planned Ontario Line station (Block 5).
Neighbourhood
Property anchor + toggleable overlays. Click pins for details; use the layer chips above the map.
Technical Passport
Simulated MPAC record: 1,847 sqft. Two closed permits (roof, kitchen) plus an expired basement walkout permit (2022, no final inspection) — likely an unpermitted finish. Verify before offer. All MPAC-labelled values are simulated; MPAC licensing is pending.
Assessed value (5-year, simulated)
MPAC-style annual assessment — pending licensing
Sqft (simulated)
MPAC-style sqft vs comparable sales
Permits filed (last 5 yr)
- 2018-05-14Roof replacementPermit #18-092201 · CLOSED
- 2020-08-23Kitchen renovationPermit #20-114078 · CLOSED
- 2022-03-19Basement walkoutPermit #22-118902 · EXPIRED (no final inspection)
Annual tax bill
Latest 5 years · CAD
33 checks
2 concern2 attention29 cleanWhy this matters
Discrepancies between MPAC records and building permit history often indicate undisclosed renovations.
MPAC sim
Why this matters
MPAC's combined quality and condition rating directly affects your assessed value and annual property tax bill.
MPAC sim
Why this matters
Unpermitted finished basements may require costly retroactive permits or removal during sale.
MPAC sim + Toronto Building Permits (live)
Why this matters
MPAC phases in assessment changes over four years. The phased-in values determine your actual taxable assessment each year — a title transfer can trigger a reassessment to full CVA.
MPAC sim
Why this matters
MPAC can reassess immediately after a title transfer — expect a potential tax bump in your first full year of ownership.
MPAC sim
- Permit #18-092201 · 2018-05-14 · Roof replacement · CLOSED
- Permit #20-114078 · 2020-08-23 · Kitchen renovation · CLOSED
- Permit #22-118902 · 2022-03-19 · Basement walkout · EXPIRED (no final inspection)
Why this matters
Open or expired permits transfer to the new owner.
City of Toronto Building Permits Open Data + MPAC sim
Why this matters
An unresolved permit discrepancy becomes your problem at closing. The cost to bring unpermitted work up to code typically ranges $15,000–$45,000.
DealScore (MPAC × Permits cross-reference)
Recommended action
Request building permit closure documentation and verify basement renovation legality. Estimated remediation: $15,000–$45,000 if unpermitted work must be addressed.
Market Value & Comparables
MPAC — pending licensing (simulated values)
Simulated MPAC-driven view: AVM Estimated Market Value of $1.435M sits about $50k below the illustrative $1.485M anchor — a small negotiation lever. Twelve comparable sold properties within 1 km (the MPAC maximum) show a range of $1.365M–$1.610M with similarity weights up to 91%. All values MPAC-simulated; MPAC licensing is pending.
Comparable sold properties — sale price vs. above-grade sqft (simulated)
MPAC AVM Market Sales Report · MPAC pending licensing (simulated values)
All 12 comparable sold properties · sorted by distance
| Address | Dist(km) | Date | Sale Price | Above-Gr(sqft) | Lot(sqft) | Built | Style | Bsmt Fin(sqft) | Gar | Sim % |
|---|---|---|---|---|---|---|---|---|---|---|
| 118 Sample St | 0.15 | Nov 2024 | $1,320,000 | 1,750 | 3,150 | 1955 | 2-Storey | — | 1 | 72% |
| 204 Nearby Ave | 0.28 | Oct 2024 | $1,395,000 | 1,820 | 3,360 | 1958 | 2-Storey | 200 | 1 | 81% |
| 256 Heritage Way | 0.35 | Dec 2024 | $1,365,000 | 1,770 | 3,250 | 1954 | 2-Storey | — | 0 | 79% |
| 67 Parallel Cres | 0.41 | Aug 2024 | $1,440,000 | 1,880 | 3,600 | 1960 | 2-Storey | 400 | 1 | 88% |
| 19 Landmark Crt | 0.47 | Sep 2024 | $1,415,000 | 1,840 | 3,500 | 1957 | 2-Storey | 250 | 1 | 84% |
| 312 Cross Blvd | 0.55 | Jul 2024 | $1,450,000 | 1,900 | 3,800 | 1964 | 2-Storey | — | 1 | 91% |
| 29 Adjacent St | 0.63 | Jun 2024 | $1,460,000 | 1,950 | 4,000 | 1967 | Bungalow | 600 | 2 | 76% |
| 441 Nearby Rd | 0.72 | May 2024 | $1,510,000 | 2,050 | 4,200 | 1970 | Split-Level | 300 | 1 | 69% |
| 155 Comparable Ct | 0.81 | Apr 2024 | $1,540,000 | 2,100 | 4,400 | 1973 | 2-Storey | 500 | 2 | 65% |
| 77 Crossfield Dr | 0.87 | Feb 2024 | $1,560,000 | 2,080 | 4,600 | 1972 | 2-Storey | 450 | 2 | 61% |
| 83 Market Lane | 0.94 | Mar 2024 | $1,580,000 | 2,200 | 5,000 | 1975 | 2-Storey | 800 | 2 | 58% |
| 490 Westview Blvd | 0.98 | Jan 2024 | $1,610,000 | 2,250 | 5,200 | 1977 | Bungalow | 700 | 2 | 52% |
MPAC AVM Market Sales Report · pending licensing (simulated values) · all prices CAD
2 checks
1 attention1 clean- Valuation date: as of today (simulated)
- AVM Confidence Score / Rating: Medium-High
- Value Range: $1,380,000 – $1,490,000
AVM is a simulated MPAC-style estimate for demonstration. Real reports will run a licensed AVM once MPAC data is available.
Why this matters
An independent algorithmic estimate gives a second opinion on price. A gap between AVM and asking price is a negotiation lever if the AVM is lower, or a sign of a strong price if the AVM is higher.
MPAC — pending licensing (simulated values)
Why this matters
Sale prices of similar homes nearby are the most reliable benchmark for property value. Each comp includes MPAC's per-property similarity weight to show how closely it matches the subject.
MPAC — pending licensing (simulated values)
Recommended action
Use the simulated AVM range and comparables as one benchmark. Ask your realtor for a full CMA and your appraiser for a formal opinion before making an offer.
Legal due diligence — your lawyer's job
DealScore does not read land-registry records. Title checks, registered encumbrances, undischarged liens, easements, and power-of-sale filings all belong to your real-estate lawyer at closing. This panel is a checklist of what to ask them for — not an assessment of the property.
Your lawyer pulls the parcel register and confirms the seller is the registered owner, that the description matches the offer, and that no third party has a claim on the parcel.
Registered charges (mortgages), construction liens, tax liens, easements, and restrictive covenants all travel with title. Anything not discharged before closing becomes yours.
For condominium purchases, the status certificate reveals reserve-fund health, ongoing legal actions, special assessments in flight, and any registered lien against the unit.
If the property was ever sold under power of sale, that history is on title. Your lawyer can flag it and explain what it means for the current transaction.
DealScore reports are informational — they are not a substitute for legal advice or a title search. Always work with a licensed Ontario real-estate lawyer.
Zoning & Future
Property is zoned RD (Residential Detached) — single-family + secondary suite + home occupation permitted as-of-right. Three active development applications within 500 m: an 8-storey condo, a 4-unit townhouse, and a commercial conversion. Future view + parking impact likely.
Development applications nearby
500 m radius · Toronto Application Information Centre
- 2024-02-158-storey condo · 119 Sample St120 m east · Status: under review
- 2025-06-084-unit townhouse · 145 Sample St260 m north · Status: approved
- 2025-09-20Commercial conversion · 89 Sample Ave410 m west · Status: active
Permitted uses (RD)
Breakdown of zoning by-law permissions
8 checks
3 attention5 cleanPermitted uses: single-family residential
Toronto Open Data · Zoning portal
- 119 Sample St: 8-storey condo proposed (under review since 2024)
- 145 Sample St: 4-unit townhouse (approved 2025)
- 89 Sample Ave: Commercial conversion (active)
Why this matters
Large developments nearby can affect neighbourhood character, parking, and noise during construction. They can lift property values — or narrow your future buyer pool if the change is unwelcome.
Toronto Application Information Centre (open data)
Adjacent properties: also not designated
Toronto Heritage Register (open data)
Reflects Conservation Authority regulated AREAS only (development / interference / alteration permits). Title-registered easements are checked separately by your lawyer.
TRCA regulated-area maps
Implication: potential rezoning to higher density within 5–10 years. Could increase value but also change neighborhood character.
Why this matters
Provincial policy can override local zoning to allow mid- or high-rise development near major transit stations. Being inside an MTSA may significantly change the neighbourhood within 5–10 years.
Provincial Policy Maps + Metrolinx
Public consultation phase (2025–2026)
Why this matters
If approved, an MTSA overlay could allow 6–11 storey buildings within 500m of the planned Ontario Line station, changing the streetscape and potentially affecting property values.
Toronto Open Data
Recommended action
Strong investment potential due to transit proximity. However, monitor MTSA overlay decision — could enable property to be redeveloped or sold to assembler at premium.
Environmental Risks
Air quality is good (AQHI 2 — low risk). The property is 460 m from the TRCA regulatory flood plain — close enough to affect insurance premiums. Radon for the M5V FSA is below the Health Canada threshold. Property sits inside the Highway 401 noise corridor. No contaminated sites within 500 m; nearest remediated Ontario MoE site is 1.2 km away.
Overall environmental risk
Composite of flood + air + radon + noise + contamination
Flood proximity is the main concern; everything else is at or below city baseline.
Distance to environmental risks
Metres · lower = closer (worse for floods/highways)
7 checks
2 attention5 clean- Outside floodway, within Flood Vulnerable Area
- Insurance availability: standard (no flood-specific exclusions)
Why this matters
Climate change is expanding flood zones. A Flood Vulnerable Area designation means the property could be affected by extreme events — verify basement waterproofing and review insurance coverage.
TRCA regulated flood maps
Why this matters
Radon is a colourless, odourless radioactive gas that accumulates in basements and is the second-leading cause of lung cancer in Canada. Health Canada recommends mitigation above 200 Bq/m³.
Health Canada · National radon survey
Nearest station: Toronto Downtown (1.8km)
ECCC · Environment and Climate Change Canada
Annoying but not actionable per Toronto bylaws
Why this matters
Sustained noise above NEF 25 is linked to sleep disruption and cardiovascular stress. Future buyers sensitive to noise may flag this, potentially narrowing your buyer pool at resale.
GTAA Pearson AOA + Ontario MTO highway network
Adjacent properties: 2 protected trees within 30m
Toronto Private Tree By-law (open data)
Why this matters
Even remediated sites can affect groundwater and re-sale sentiment. Buyer's lawyer should request an environmental status letter if any site is within 250 m.
Ontario Ministry of Environment — Contaminated Sites Registry
Why this matters
Federal brownfields (former military, rail, or postal lands) can host legacy soil and groundwater contamination. Distance > 2 km makes cross-site migration extremely unlikely.
Treasury Board — Federal Contaminated Sites Inventory
Infrastructure
Exceptional infrastructure — Walker's Paradise (87) with Excellent Transit (92) and 5 rapid stations within 1 km. Four major Metrolinx projects within 2 km will materially improve transit over the next 5 years.
Walk Score
Transit
EV charging
Future transit projects (Metrolinx)
Within 2 km · expected completion
- 2025Finch West LRT — openHumber College ↔ Finch Station · 4.8 km
- 2030Eglinton Crosstown West Ext.Mount Dennis ↔ Renforth · 5.2 km
- 2031Ontario Line — Riverside/Leslieville800 m · daily ridership 388k forecast
- 2032Yonge North Subway Extension5 new stations Steeles → Richmond Hill · 12.4 km
8 checks
8 cleanGO Station (Union) — 14 min by transit
Google Places API + TTC GTFS
- 4 elementary schools
- 2 high schools
- 1 hospital (Toronto General, 1.4km)
- 18 grocery stores
- 47 restaurants
Google Places API
Eglinton Crosstown extension under planning
Why this matters
Confirmed transit infrastructure within 1km has historically driven a 5–15% price premium in comparable Toronto corridors in the years before opening. The Ontario Line is fully funded and under construction.
Metrolinx capital projects
Average rate: $3.20/hr peak
Green P Open Data (Toronto) + GTA municipal parking (Mississauga · Brampton · Markham · Vaughan)
Driven by Ontario Line proximity + density permits
DealScore Analysis
Education
Strong catchment — Niagara Street Junior PS (Fraser 8.2/10, EQAO above Toronto average across all subjects). One French Immersion option within 1.2 km. Central Tech Secondary has IB program. Three private schools within 5 km.
Nearby schools — Fraser ratings
5 closest catchment schools · 0–10 scale
EQAO achievement — catchment school
% meeting provincial standard · all 6 subjects tested
8 checks
1 attention7 clean- Public elementary: Niagara Street Junior PS (Grade JK–6)
- Public secondary: Central Tech Secondary (Grade 9–12)
- Catholic: St. Mary Catholic Academy
Why this matters
Catchment boundaries are tied to civic address and can change — always verify with the school board at offer time, not just at listing.
TDSB + TCDSB
Above Toronto board average of 71%
EQAO · Grade 3/6/9 + OSSLT
- Niagara Street JPS: 8.2/10 (top 15% in Ontario)
- Central Tech Secondary: 7.1/10 (top 30%)
Fraser Institute · Report Card
Currently 18-month waitlist
Why this matters
French Immersion waitlists in Toronto are often 12–24 months — families who require FI need to register well before they move, not after.
TDSB French Immersion
- Branksome Hall (girls)
- Upper Canada College (boys)
- Royal St. George's College (boys)
OurKids.net
- Gifted program at Northlea EMS (1.8 km)
- IB program at Central Tech Secondary (1.7 km)
- Arts program at Cardinal Carter Academy
TDSB gifted / IB / arts
Why this matters
Boundary changes can silently move a property into a lower-ranked school zone. Stable boundaries for five years is a meaningful positive signal.
TDSB + TCDSB boundary history
Capacity: 60 students, currently 12 spots
TDSB before/after school care
Demographics
High-income, young-professional census tract — median household income $108k (40% above city median), 64% aged 25–44, 71% with bachelor's+. Composite Major Crime Indicator rate is ~24% below city average; auto theft is the lone outlier.
Population — 10 year trend
Census tract 0034.00 (Toronto Open Data)
Language at home
StatCan 2021 census tract data
Crime profile (3 yr)
Per-1000 residents · vs. Toronto average
Age distribution
StatCan 2021 census tract
7 checks
1 attention5 cleanCity median: $77,000/year (+40% above)
StatCan Census 2021 (CT-level)
- Assault, B&E, robbery: below city average
- Auto theft: slightly above city average
Why this matters
Crime rates directly affect home insurance premiums. Note: auto theft above average — worth checking garage security before offer.
Toronto Police MCI + regional police (York · Peel · Halton · Durham)
Home insurance claims density by postal FSA is not yet wired in — IBC data licensing is in progress.
Insurance Bureau of Canada — pending integration
- Average 3-bdrm rent: $3,800/month
- Investment yield potential: 4.2%
CMHC Rental Market Survey
Property values rising faster than income
Why this matters
Property values rising faster than incomes means the neighbourhood is changing quickly. Near-term appreciation is likely, but neighbourhood character is also likely to shift.
DealScore Analysis
Financial Risks
Posted 5-year fixed mortgage rates are up roughly 90 bps over 12 months and the OSFI qualifying rate sits around 7.84%. Live stress test below uses today's Bank of Canada series. Property tax arrears and insurer availability are flagged as pending integrations.
Mortgage affordability calculator
Your inputs are saved locally — only you can see them.
5-year fixed mortgage rate — 12-month trend
Bank of Canada posted average · quarterly snapshots
5 checks
3 attention1 cleanUp from 4.94% twelve months ago — payment on a $1,150,000 amortized mortgage is roughly $610/mo higher than a year ago.
Why this matters
The 5-year fixed is the benchmark insured buyers qualify and renew against. Higher posted rates pull qualifying rates up across the market.
Bank of Canada Valet · Series V80691335
Variable-rate mortgages are typically priced at Prime minus 0.60-1.00%, putting most variables in the 5.95-6.35% range today.
Why this matters
Variable rates float with Prime — any further BoC hike lifts your payment within a month.
Bank of Canada Valet · Series V80691263
Calculated as max(contract rate + 2%, 5.25%). Every new insured mortgage must qualify at this rate, not the rate you actually pay.
Why this matters
The stress test sets the affordability ceiling. At 7.84%, the qualifying payment on this property is roughly $1,400/mo higher than at the contract rate.
OSFI Guideline B-20 + Bank of Canada Valet
Trend has flattened in the last quarter. Bond-market pricing implies stability into mid-2026.
Why this matters
A rising rate environment at time of purchase means your renewal may cost more than today. Locking in for a longer term can reduce this risk.
Bank of Canada Valet · 12-month series
Property tax arrears need a municipal roll-number lookup; insurer availability needs a quote check at offer time.
Why this matters
Property tax arrears are a registered claim against the property that must be paid at closing — they don't disappear with the seller.
Municipal records + IBC — pending integration
Recommended action
Stress-test the carry cost at the OSFI qualifying rate, not the contract rate. Renewing in a higher-rate environment compresses payment headroom — build a 15-20% cushion into your monthly budget.
Commercial Activity
High commercial vibrancy — 412 active business licenses in the FSA, 41% restaurants/cafes. Short-term rental density is moderate (1.4% of housing stock), trending down since the 2024 license tightening. No vacant-storefront cluster nearby.
Business mix in M5V
Top 6 license categories · Toronto Open Data
Short-term rental density
% of FSA housing stock with active STR license
4 checks
2 attention2 cleanMix: 40% food/beverage, 25% retail, 20% services, 15% other
Toronto Business Licences (open data)
- Trending down from 2.2% in 2020 following 2024 licensing tightening
- Toronto STR bylaw restricts to primary residence only
Why this matters
High STR density can affect parking availability and neighbourhood character. Declining rates following regulatory tightening return units to the long-term rental supply — a positive direction.
Toronto STR Registry (open data)
Net positive — healthy local economy
Google Places + Yelp Fusion
Could increase foot traffic and noise
Why this matters
New retail at grade can increase foot traffic, noise, and delivery activity. The impact depends heavily on the tenant — a grocery is generally positive; a bar or nightclub less so.
Toronto Application Information Centre (open data)
Home Energy & Carbon
Annual energy rating, consumption breakdown, and retrofit recommendations — MPAC/Climative EnerGuide data, pending licensing
This 1962-built detached rates 185 GJ/yr — 35% above the Ontario median of 137 GJ/yr. Forced-air gas heating drives 65% of energy use (120 GJ); single-pane windows and original insulation compound losses. At 10.5 t CO₂e/yr — 91% above the provincial median — the carbon carrying cost rises with each $15/tonne federal increase. A full retrofit sequence (heat pump, air sealing, triple-pane windows, HPWH) cuts energy by 110 GJ/yr (−59%) and carbon by 8 t (−76%), bringing the home near net-zero operational carbon. Federal + Ontario incentives offset up to $21,600. All values MPAC/Climative EnerGuide simulated; licensing pending.
1 GJ ≈ 2 BBQ propane tanks · 27 m³ natural gas · 278 kWh electricity · Powered by Climative + MPAC (simulated)
To estimate retrofit impact: deduct each measure's GJ and CO₂e savings from current totals. Savings may overlap where measures share an end-use. MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated) · Powered by Climative.
- Canada Greener Homes Grant — up to $5,600 for insulation, windows, and heat pump (federal)
- Canada Greener Homes Loan — 0% interest loan up to $40,000 over 10 years (federal)
- Enbridge Home Efficiency Rebate — up to $5,000 for heat pump + insulation (Ontario)
- OPA / IESO Energy Programs — up to $5,000 for qualified heat pumps and smart controls
- Check with your local electricity or natural gas provider for additional programs. Source: MPAC/Climative (simulated) · always verify eligibility directly.
10 checks
7 attention3 clean- Rating unit: GJ/year (Gigajoules) — 1 GJ ≈ 2 BBQ propane tanks, 27 m³ natural gas, or 278 kWh electricity
- Ontario median home: 137 GJ/yr
- Modern equivalent new build (1,847 sqft): ~60 GJ/yr
Why this matters
The MPAC energy rating measures whole-home annual consumption in GJ/yr, enabling apples-to-apples comparison regardless of fuel type. A rating above the Ontario median indicates an energy-intensive home and higher ongoing carrying costs as carbon pricing increases.
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
- Space Heating: 65% (120 GJ/yr) — 1962-era forced-air gas, single-pane windows, under-insulated envelope
- Appliances, Lights & Other: 17% (31 GJ/yr)
- Water Heating: 14% (26 GJ/yr) — aging gas storage tank
- Space Cooling: 4% (8 GJ/yr) — central AC
- Annual estimated cost: ~$4,500–$6,000 at current natural gas + electricity rates
Why this matters
Space heating dominates pre-1980 homes. Targeting heating-first retrofits (heat pump + insulation) delivers the highest energy and carbon reduction per dollar invested.
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
- Ontario median home: ~5.5 t CO₂e/yr
- This home: 10.5 t CO₂e/yr — 91% above median
- Equivalent tree absorption: ~420 mature trees/year
- Federal carbon pricing: ~$80/tonne today, rising to ~$170/tonne by 2030
- Carbon cost impact at 2030 price: ~$1,785/year at current emissions
Why this matters
Federal carbon pricing rises ~$15/tonne annually through 2030, adding $840–$1,785/year to the carrying cost of a high-emitting home by decade's end.
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
Why this matters
Current Ontario Building Code targets R-60 attic and R-24 walls for new construction. Under-insulation is the single largest driver of heating loss in pre-1980 homes.
MPAC EnerGuide — pending licensing (simulated values)
Why this matters
Single-pane windows lose 10x more heat than a well-insulated wall section. Replacement with triple-pane (U-factor ~0.15) would cut window heat loss by ~85%.
MPAC EnerGuide — pending licensing (simulated values)
Why this matters
High-efficiency replacements (AFUE 98% heat pump, SEER 18+ AC, heat-pump water heater) qualify for Canada Greener Homes and Enbridge incentive programs.
MPAC EnerGuide — pending licensing (simulated values)
- Cold-Climate Heat Pump: Save 53 GJ/yr · Reduce 4.2 t CO₂e/yr · Cost $15,000–$25,000 · Incentive up to $10,000
- Air Sealing + Attic Insulation to R-60: Save 28 GJ/yr · Reduce 1.7 t CO₂e/yr · Cost $6,000–$12,000 · Incentive up to $5,600
- Triple-Pane Windows × 15 (U: 1.0 → 0.15): Save 20 GJ/yr · Reduce 1.2 t CO₂e/yr · Cost $22,000–$30,000 · Incentive up to $5,000
- Heat-Pump Water Heater (replaces gas tank): Save 12 GJ/yr · Reduce 0.7 t CO₂e/yr · Cost $3,000–$5,000 · Incentive up to $1,000
Why this matters
MPAC/Climative ranks retrofits by estimated energy savings. To estimate impact: deduct each retrofit's GJ and CO₂e savings from the current totals. Savings may overlap where retrofits target the same end-use.
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
- Cold-climate heat pump (installed): $15,000–$25,000
- Air sealing + attic insulation: $6,000–$12,000
- Triple-pane windows × 15 (installed): $22,000–$30,000
- Heat-pump water heater (installed): $3,000–$5,000
- Canada Greener Homes Grant: up to $5,600
- Canada Greener Homes Loan: 0% interest up to $40,000 over 10 years
- Enbridge Home Efficiency Rebate: up to $5,000
- OPA / IESO programs: up to $5,000
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
Why this matters
Retrofit payback (before incentives): 12–18 years. After incentives: 8–12 years. Rising carbon pricing accelerates payback by ~1–2 years per $15/tonne increase.
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
Why this matters
Low-carbon homes attract a growing buyer premium as carbon pricing rises. Retrofitted properties in comparable Toronto corridors have shown a 3–7% sale-price uplift versus non-retrofitted equivalents.
MPAC Automated Home Energy Rating and Retrofit Report — pending licensing (simulated values) · Powered by Climative
Recommended action
Budget for the recommended retrofit sequence. Priority 1: cold-climate heat pump ($15,000–$25,000, offset by up to $10,000 in incentives). Priority 2: air sealing + attic insulation ($6,000–$12,000). Both qualify for Canada Greener Homes and Enbridge programs.
Key takeaways
- Excellent transit (Walk 87, Transit 92) + planned Ontario Line 800 m away
- Strong school catchment (Niagara Street JPS · Fraser 8.2 / 10)
- Comparable-sale range supports the illustrative asking anchor
- Low local crime relative to city average
- Undeclared basement renovation (simulated MPAC discrepancy)
- MPAC AVM ($1.435M) sits below the illustrative asking anchor ($1.485M)
- 38-storey rezoning 120 m away — future view + parking impact
- 5-year fixed mortgage rate up 90 bps in 12 months
- Flood plain 460 m from property
- Request permit-closure documents for the basement finish
- Use the simulated AVM range as a starting point for negotiation
- Stress-test the mortgage at the 7.84% qualifying rate
- Get a flood-specific insurance quote
- Have your lawyer complete title, encumbrance, and status-certificate checks before closing (see the Legal due diligence panel)
Estimated risk reduction value
DealScore identified $35,000–$75,000 in potential risks and negotiation leverage on this property. Total report cost: $49 — ROI 714× to 1,530×.
Data sources
Three-part truth: the address on this page is fictional, so every value is illustrative — but DealScore's production platform runs on 44+ live data integrations listed below. MPAC-labelled blocks show simulated values while property-assessment licensing is finalised.
- Toronto Open Data CKAN — permits · zoning · dev applications · heritage · business licences · STR · Green P parking · trees
- Toronto Municipal Licensing — Property Standards
- Conservation Authorities — TRCA + CVC + Halton flood-zone GeoJSON
- ECCC Geomet — Air Quality Health Index (AQHI)
- Health Canada — indoor radon by postal FSA
- Ontario Ministry of Environment — Contaminated Sites Registry
- Treasury Board — Federal Contaminated Sites Inventory
- GTAA Pearson AOA + Ontario MTO highway network — noise contours
- Toronto Private Tree By-law (Chapter 813)
- Toronto Police — Major Crime Indicators (ArcGIS)
- York Regional Police · Peel Regional Police · Halton Regional Police · Durham Regional Police — 7 per-category feeds
- StatCan Census 2021 — demographics + dwelling stats by CT
- CMHC Rental Market Survey — vacancy + average rent by zone
- Ontario Ministry of Education — School Information Finder (4,935 schools)
- EQAO — Grade 3/6/9 + OSSLT achievement scores
- Fraser Institute — school rankings (Report Card)
- TDSB — French Immersion · boundary history · care · gifted/IB/arts
- TCDSB — Catholic schools + programs
- OurKids.net — private schools
- Metrolinx — future capital projects (Ontario Line, Eglinton, etc.)
- TTC GTFS — subway · streetcar · bus
- Combined GTA GTFS — GO · MiWay · YRT · Brampton Transit · Durham Region Transit
- GTA municipal parking — Mississauga · Brampton · Markham · Vaughan
- Walk Score Professional API — walk + transit + bike
- Google Places API — address autocomplete + amenities
- Open Charge Map — EV charging stations
- Yelp Fusion API — business quality + closures
- Ontario Business Registry — corporate ownership
- Bank of Canada Valet — 5-yr fixed · prime · OSFI-derived
- MPAC Propertyline — property + assessment + AVM (used across Block 1 + Block 2 in this sample as simulated values)
- Insurance Bureau of Canada — insurance claims density (Block 7) + insurer availability (Block 8)
- Municipal property-tax arrears — roll-number lookup (Block 8)
Plus: DealScore Analysis (proprietary methodology on top of the sources above)
Three-part truth about this page.
- The address is fictional. "123 Sample Street, Toronto, ON M5V 1A1" is not a real property, so every value shown on this page is illustrative and made up.
- The integrations are real. DealScore's production platform runs 44+ live data sources — City of Toronto, Statistics Canada, five police services, Metrolinx, Walk Score, Google Places, Yelp Fusion, Open Charge Map, Bank of Canada Valet, TDSB, TCDSB, and others listed above.
- MPAC is not yet licensed. Blocks labelled "MPAC — pending licensing (simulated values)" show the intended presentation of property-assessment data. No MPAC agreement is claimed or implied.
DealScore Inc. is a data analysis platform. We are NOT:
- A real estate brokerage
- A law firm
- A financial advisor
- A home inspection service
Reports do NOT constitute legal advice, financial advice, investment advice, or property valuation. Buyers must consult qualified professionals (lawyers, inspectors, accountants) before making property decisions. Ownership, title, and encumbrances are your lawyer's job at closing — see the Legal due diligence panel above.
Reports may include regional partner advertising, clearly labelled and matched by postal area (FSA). Advertising never affects the Safe Buy Score or any data shown in this report.
Safe Buy Score™ is a trademark of DealScore Inc. and represents a proprietary risk assessment methodology.
© 2026 DealScore Inc. | dealscore.ca | Toronto, Ontario, Canada
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