123 Sample Street, Toronto, ON M5V 1A1

SAMPLE

Listed: $1,485,000
Type: Detached single-family
Built: 1962
Lot: 30×120 ft

AI executive summary

This property scores 71/100, indicating moderate caution. Key concerns: undeclared basement renovation (Block 2), elevated flood zone proximity (Block 5), and a recent power of sale on the same street (Block 9). However, school catchment is strong (Block 7) and market dynamics show buyer-favorable conditions (Block 3).

Safe Buy Score™

71/ 100

Caution — review concerns before offer

Block 1: Legal Cleanliness

Pro Tier — Teranet licensed via DealScore Legal PC

8 checks

PRO

1.1 Current Owner Verification

Listed seller name matches registered owner

Source: Teranet Connect · Title search performed Apr 26, 2026

1.2 Transaction History

3 transactions found

2014: Purchased $625,000 by current owner
1998: Purchased $310,000
1985: Purchased $189,000

Long ownership periods suggest stable property history

Source: Teranet Connect

1.3 Active Mortgages

Two registered mortgages

Primary: TD Bank, $740,000 (registered 2018)
Secondary: Private lender, $180,000 (registered 2023)

Total encumbrance: $920,000 vs assessed $1,150,000 (80% LTV)

Why it matters: High secondary lien may indicate financial stress. Verify discharge status before closing.

Source: Teranet Connect

1.4 Liens & Hidden Debts

2 active liens

Construction lien: $24,500 (HVAC Pro Inc., filed Jan 2025)
Tax lien: $3,200 (City of Toronto, filed Mar 2025)

Total: $27,700

Source: Teranet Connect

1.5 Legal Encumbrances

Standard easements only (utility access rear of lot)

No restrictive covenants or rights of way

Source: Teranet Connect

1.6 Active Court Actions

No litigation found against owner or property

Source: Ontario Court Services · Searched Apr 26, 2026

1.7 Corporate Owner Structure

Owner is individual (not corporate entity)

Source: Ontario Business Registry

1.8 Power of Sale History

No prior power of sale on this property

Source: Teranet Connect

Block 2: Technical Passport

Available in Lite & Pro

9 checks

2.1 Legal Square Footage

MPAC Record: 1,847 sqft (above grade)

Listing claim: 2,300 sqft
Difference: +453 sqft (24.5%)

Why it matters: Discrepancies often indicate undisclosed renovations or basement conversion without permits.

Source: MPAC Propertyline · Updated Jan 2026

2.2 Year Built

1962 (62 years old) · Average for area: 1958

Properties built 1960–1980 in Toronto may have outdated electrical (knob-and-tube) and plumbing (galvanized steel).

Source: MPAC Propertyline

2.3 Foundation Type

Poured concrete (Type 1 — highest quality)

Source: MPAC Propertyline · Property Code: 301

2.4 Basement Classification

MPAC: Unfinished

Listing photos: Show finished basement
Discrepancy: Potentially unpermitted conversion

Why it matters: Unpermitted finished basements may require costly retroactive permits or removal during sale.

Source: MPAC + Toronto Building Permits

2.5 Bathrooms (Documented)

2.5 bathrooms — matches listing

Source: MPAC Propertyline

2.6 Construction Quality Class

MPAC Class 6 of 10 (Average to Above Average)

16/1010

Source: MPAC Propertyline

2.7 Tax Assessment History (5 years)

Trend: +38.8% over 5 years (matches GTA average)

Assessed value (5 years)

Source: MPAC Propertyline · Annual assessments

2.8 Building Permit History

3 permits found

2018: Roof replacement (CLOSED)
2020: Kitchen renovation (CLOSED)
2022: Basement walkout (PERMIT EXPIRED, no final inspection)

Why it matters: Open or expired permits transfer to new owner.

Source: City of Toronto Building Permits Open Data

2.9 Property Standards Violations

No active violations or orders

Last inspection: March 2024

Source: City of Toronto Property Standards Open Data

Block 3: Market Dynamics

Pro Tier — Repliers + MLS VOW data

9 checks

PRO

3.1 Sold Comparables in Radius

8 comparable sales within 1km in past 6 months

Range: $1,320,000 – $1,580,000
Median: $1,450,000
Subject listed: $1,485,000 (within range, 102% of median)

Comparable sales — price vs sqft

Source: Repliers.io API

3.2 Re-listing History

1 prior listing in 2023 ($1,395,000) — withdrawn after 47 days, no sale

Why it matters: Previously failed sale may indicate pricing or property issues that weren't resolved.

Source: Repliers.io

3.3 Neighborhood Sales Velocity

Average DOM: 18 days (last 90 days) · Subject DOM: 12 days

Below-average time on market — strong demand area

Source: Repliers.io

3.4 DOM vs Street Average

Street average: 22 days · Subject: 12 days

−45% faster than street average

Source: MLS VOW

3.5 Active Inventory

Currently 23 competing listings within 2km

Down from 31 last quarter (−25.8%) — tightening inventory favors sellers

Source: MLS VOW

3.6 Recent Price Reductions

Last 30 days in neighborhood

6 listings reduced (avg −3.2%)
12 sold at or above asking

Mixed signals: some buyer leverage available

Source: MLS VOW

3.7 Expired Listings Analysis

Last 12 months: 8 expired in area

Common reason: priced 8–12% above eventual sale comparables. Subject pricing appears competitive.

Source: MLS VOW + Repliers

3.8 Price Overpay Score (proprietary)

DealScore Score: 68/100 (Slightly High)

Subject priced 4.2% above comparable median
Recommended offer range: $1,420,000 – $1,460,000

Source: DealScore Analysis (proprietary algorithm)

3.9 Market Velocity Score (proprietary)

Buyer's market score: 42/100

Slight seller's market — moderate negotiation power for buyer

Source: DealScore Analysis

Block 4: Zoning & Future

9 checks

4.1 Current Zoning

RD (Detached Residential) — Toronto Zoning By-law

Permitted uses: single-family residential

Source: Toronto Open Data · Zoning portal

4.2 Active Development Applications

3 within 500m

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)

Source: Toronto Development Portal

4.3 Approved Neighbor Permits

2 approved permits within 100m (minor renovations only)

Source: Municipal Permits

4.4 Official Plan Amendments

No pending amendments affecting this property

Source: Toronto Open Data

4.5 OMB / LPAT Decisions

No appeal decisions affecting property in past 10 years

Source: OMB / LPAT public records

4.6 Heritage Designation

Not designated heritage

Adjacent properties: also not designated

Source: Toronto Heritage Register

4.7 Conservation Easements

No conservation restrictions

Source: Provincial maps

4.8 Transit-Oriented Zones

Property is within 800m of planned Ontario Line station (Riverside-Leslieville)

Implication: potential rezoning to higher density within 5–10 years. Could increase value but also change neighborhood character.

Source: Provincial Policy Maps + Metrolinx

4.9 Future Zoning Changes

City of Toronto considering Major Transit Station Area overlay

Public consultation phase (2025–2026)

Source: Toronto Open Data

Block 5: Environmental Risks

8 checks

5.1 Flood Risk Zone

Property is 240m from Don River regulated flood plain

Outside floodway, within Flood Vulnerable Area
Insurance availability: standard (no flood-specific exclusions)

Why it matters: Climate change may expand flood zones. Verify basement waterproofing.

Source: TRCA Regulated Flood Maps

5.2 Radon Level

Postal code average: 65 Bq/m³ (below Health Canada threshold of 200)

Source: Health Canada · National radon survey

5.3 Air Quality Index

Annual average AQHI: 3 (Low risk)

Nearest station: Toronto Downtown (1.8km)

Source: ECCC · Environment and Climate Change Canada

5.4 Contaminated Sites Registry

1 contaminated site within 500m

87 Industrial Lane: Former dry cleaner (remediated 2019)
Subject property: NOT directly affected

Source: Ontario Ministry of Environment

5.5 Brownfield Proximity

No active brownfields within 1km

Source: Ontario MoE

5.6 Underground Storage Tanks

No registered UST on property or adjacent

Source: TSSA Records

5.7 Noise Contours

Property within Highway 401 noise corridor (NEF 28–30)

Annoying but not actionable per Toronto bylaws

Source: NAV Canada + City Noise Maps

5.8 Tree Protection Bylaws

2 mature trees on property (>30cm diameter) protected

Removal requires permit

Source: Toronto Open Data

Block 6: Infrastructure

8 checks

6.1 Walk Score

Score: 87/100 — Very Walkable

Source: Walk Score API

6.2 Transit Score

Score: 82/100 — Excellent Transit

Source: Walk Score API

6.3 Time to Nearest Station

Closest: Queen Station (TTC Line 1) — 8 min walk

GO Station (Union) — 14 min by transit

Source: Google Places API

6.4 Schools, Hospitals, Shops

Within 1km

4 elementary schools
2 high schools
1 hospital (Toronto General, 1.4km)
18 grocery stores
47 restaurants

Source: Google Places API

6.5 Future Transit Projects

Ontario Line station 800m (opening 2031)

Eglinton Crosstown extension under planning

Source: Metrolinx

6.6 Parking Availability

3 Green P lots within 500m

Average rate: $2.50/hr peak

Source: Green P Open Data

6.7 EV Charging Stations

6 public chargers within 1km

Source: ChargeHub / PlugShare

6.8 Infrastructure Investment Potential (proprietary)

DealScore Score: 84/100 — High potential

Driven by Ontario Line proximity + density permits

Source: DealScore Analysis

Block 7: Education

8 checks

7.1 School Catchment Zones

Catchment summary

Public elementary: Riverdale PS (Grade JK–6)
Public secondary: Riverdale CI (Grade 7–12)
Catholic: St. John Catholic School

Source: TDSB / TCDSB

7.2 EQAO Scores

Riverdale PS: 78% at provincial standard (Grade 3)

Above district average of 71%

Source: EQAO

7.3 Fraser Institute Rankings

School rankings

Riverdale PS: 7.2/10 (top 25% in Ontario)
Riverdale CI: 6.8/10 (top 35%)

Source: Fraser Institute

7.4 French Immersion Availability

Available at Frankland PS (1.4km away)

Currently 18-month waitlist

Source: TDSB

7.5 Private Schools

3 private schools within 3km

Branksome Hall (girls)
Upper Canada College (boys)
Royal St. George's College (boys)

Source: OurKids.net

7.6 Specialized Programs

Programs available nearby

Gifted program at Northlea EMS (1.8km)
IB program at Riverdale CI
Arts program at Cardinal Carter Academy

Source: TDSB

7.7 Boundary Changes (5 years)

No changes to current catchment · No pending changes

Source: TDSB / TCDSB

7.8 Before/After Care

YMCA before/after care at Riverdale PS

Capacity: 60 students, currently 12 spots

Source: TDSB

Block 8: Demographics

7 checks

8.1 Median Household Income

Neighborhood: $112,400/year

City average: $85,000/year (+32% above)

Source: StatCan Census 2021

8.2 Population Growth Trend

+14.2% over 10 years (steady growth)

Source: StatCan Census

8.3 Crime Statistics

Crime rate: 38 incidents per 1000 residents (City avg: 42)

Property crime: above neighborhood average
Violent crime: well below average

Source: Toronto Police Open Data

8.4 Insurance Claims Density

Below city average for property claims

Source: Insurance Bureau of Canada

8.5 Rental Market Data

Vacancy rate: 1.8% (very tight)

Average 3-bdrm rent: $3,800/month
Investment yield potential: 4.2%

Source: CMHC

8.6 Language Diversity

English: 71% | Mandarin: 8% | Italian: 5% | Other: 16%

Source: StatCan Census

8.7 Gentrification Index (proprietary)

DealScore Score: 78/100 — Active gentrification

Property values rising faster than income

Source: DealScore Analysis

Block 9: Financial Risks

Pro Tier

5 checks

PRO

9.1 Loan-to-Value Ratio (Area)

Neighborhood average LTV: 72%

Subject property current LTV: 80% (high). Indicates seller may have limited price flexibility.

Source: Teranet (aggregate data)

9.2 Power of Sale History (Street)

1 power of sale on this street in past 24 months

Property at 187 Sample Street (3 doors down)

Why it matters: Forced sales on street can suppress nearby values.

Source: Teranet Connect

9.3 Average Mortgage Age

Street average: 4.2 years · Subject mortgage: 8 years (renewing soon)

Renewal at higher rates likely contributing to seller motivation

Source: Teranet Connect

9.4 Property Tax Arrears

Current taxes: paid in full · No arrears history

Source: City of Toronto Municipal records

9.5 Insurance Availability

Standard insurance available (verified with 3 major insurers)

No flood-zone exclusions
Estimated annual premium: $1,800–$2,200

Source: Insurance Bureau of Canada

Block 10: Commercial Activity

4 checks

10.1 Local Business Density

47 active businesses within 500m

Mix: 40% food/beverage, 25% retail, 20% services, 15% other

Source: Toronto Business Licenses

10.2 Airbnb Density

12 short-term rentals within 500m (4.8% of housing stock)

Above city average of 1.8%
Toronto STR bylaw restricts to primary residence only

Source: Airbnb tracking + Toronto STR Registry

10.3 Business Closure Rate

Last 12 months: 3 closures vs 7 openings

Net positive — healthy local economy

Source: Google Places + Yelp tracking

10.4 Future Retail Development

119 Sample St development includes 4,200 sqft retail at grade

Could increase foot traffic and noise

Source: Toronto Development applications

Final score breakdown

Legal Cleanliness
6/10
Technical Passport
7/10
Market Dynamics
7/10
Zoning & Future
7/10
Environmental Risks
7/10
Infrastructure
9/10
Education
9/10
Demographics
7/10
Financial Risks
5/10
Commercial Activity
7/10

71/100 — CAUTION zone

Weighted average (Block 1, 2, 5 weighted 1.5× as critical)

Key takeaways

Strengths

Excellent transit + future Ontario Line
Strong school catchment (top 25%)
Buyer-favorable market dynamics
High investment potential

Concerns

Undeclared basement renovation
High seller LTV (80%) + recent power of sale on street
Flood zone proximity
Construction lien on property

Action items

Verify basement permit closure
Confirm lien discharge before closing
Get flood-specific insurance quote
Consider offering $1,440,000 (vs $1,485,000 asking)

Estimated risk reduction value

DealScore identified $35,000–$75,000 in potential risks and negotiation leverage on this property. Total report cost: $99 — ROI 354× to 757×.

Data sources

All 14 sources used in this report.

Paid + licensed

MPAC Propertyline (commercial subscription)
Teranet Connect (via DealScore Legal PC, LSO licensed)
MLS VOW (via broker partnership)
Repliers.io API
Walk Score Professional API
Google Places API

Open government data

Toronto Open Data Portal
Ontario Court Services
Ontario Business Registry
StatCan Census
TRCA Flood Maps
ECCC Air Quality
Health Canada
Toronto Police Open Data

Plus: DealScore Analysis (proprietary algorithms)

Disclaimer

This is a SAMPLE REPORT using fictional property data created for demonstration purposes. The address "123 Sample Street, Toronto, ON M5V 1A1" is not a real property. All data shown is illustrative.

Real DealScore reports use verified data from licensed and public sources at the time of generation. Data accuracy depends on source freshness and may not reflect changes after report generation.

DealScore Inc. is a data analysis platform. We are NOT:

A real estate brokerage (regulated by RECO)
A law firm (legal services provided through DealScore Legal PC, separate LSO-licensed entity)
A financial advisor (regulated by FSRA)
A home inspection service (physical inspections via DealScore Inspections Inc., separate entity, OAHI certified)

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.

Safe Buy Score™ is a trademark of DealScore Inc. and represents a proprietary risk assessment algorithm. Score methodology described at dealscore.ca/methodology.

For licensed sources (MPAC, Teranet, MLS), DealScore maintains appropriate commercial agreements and regulatory licenses required under Ontario law (PIPEDA, MFIPPA, FOIPP, FSRA, LSO By-Law 7).

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51 checks across 6 blocks