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Urban home with a garden and a secret weapon: laneway parking

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Steven Liu/Steven Liu/Houssmax

164 Dovcercourt Rd., Toronto

Asking Price: $2.95-million

Taxes: $9,541.39 (2023)

Lot Size: 22 by 131 feet

Agents: Michael Wacholtz, Clearpath Realty Group, Keller Williams Referred Urban Realty Inc.

The backstory

Sometimes when Melissa Cameron meets one of her neighbours in Prince Edward Island there’s a moment of cognitive confusion when they try to grasp what she’s telling them about coming from Toronto to the garden province. “You left the city? You moved to the country?” they ask with some incredulity.

“My answer is, we love nature,” said Ms. Cameron who was born and raised in Etobicoke and Toronto and who moved to Canada’s smallest province with her four children in the middle of the COVID-19 pandemic. Her husband, who enjoys walking to his Bay Street finance job, kept the house at Dovercourt and commuted to “spud island” on the weekends and on breaks. Only now is the family ready to end the dual-house experiment and live full-time together in PEI. “For our family, what kept us sane was nature. And now we’re leaning into a little bit more of that,” said Ms. Cameron.

Another thing she’s been leaning into is a commitment to organic gardening that started while she lived in Toronto. When the couple bought the semi-detached house in 2013, it had recently undergone a gut renovation and update. Where the couple was able to put their stamp on things was the landscaping: They hired Joel Loblaw Inc., to make the backyard a private oasis with beech trees for privacy and indigenous serviceberry bushes.

The top floor had a new deck, but they raised the walls (safer for young children) gave it partial shade and filled it with raised beds for growing produce. Today there are just flowers planted, but when she lived there it was an organic food-producing garden.

With 12 acres to play with Ms. Cameron’s expanding her organic farming work, partnering with like-minded horticulturalists on charitable gardens and on her own landscaping business – The Good Seed Garden – focused on designing self-sustaining food-producing gardens.

The seeds of which were all planted on Dovercourt.

The House Today

The house is a bay-and-gable style house typical of narrow lots in Toronto in the 1870s, with the tall rooftop gables of the Gothic revival style and intricate brickwork on display.

Past an iron fence to the front door is a flagged path that splits to travel to the backyard and up the short set of stairs to the front door.

Inside the main floor is essentially one very deep room with multiple uses. Beneath the front window is a sitting area that transitions to a dining area next to the floating steel stairs. Unlike most homes of the era the stairs here are reversed so the bottom step is in the middle of the house (not right off the front door). The wall with the stairs is exposed red-and-orange brick warming up a space that’s otherwise mostly white walls.

  • Home of the Week, 164 Dovercourt Rd., TorontoSteven Liu/Steven Liu/Houssmax

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The kitchen is the third act of this level and is anchored by an island with bar seating. Beyond the shining white kitchen is a living room with a window wall walkout to the backyard. Where you might expect to find a TV across from the couch is a run of black brick framing the chimney of a fire-truck red wood-burning stove. Blond hardwood floors extend from front to back on the whole level.

There are four bedrooms on the second floor, and the primary suite occupies the back half of the home (part of the extended addition).

The last flight of stairs opens into a huge recreation room that Ms. Cameron said was the home-school classroom during the lockdowns, behind which is the once (and future?) rooftop garden and deck. The laundry room is on this floor as well.

The basement is set up as a rec room with a separate huge seasonal storage mud room. But it has all the appliance hookups and up-to-code egress windows you’d need to make it a secondary living suite, with the current mud room converted to a bedroom.

The secret weapon

The backyard was a playground for Ms. Cameron’s ideas about urban food. At one point they even had a few chickens (in violation of city bylaws): “It was an act of civil disobedience,” she said, but her elderly neighbours would tell her hens were normal in the community decades ago, just as growing backyard grapes and other produce has always been a way of life in Little Portugal.

“Food-bearing gardens used to be in so many people’s homes,” she said. “I think we can do so much in our city to grow food and feed ourselves.”

But the backyard has another advantage over some of the homes of this era: Parking.

The Camerons lived in Kensington Market previously, and one of the features Ms. Cameron really came to appreciate about Dovercourt was the rear laneway – with garbage collection – on which there is a two-car garage. No schlepping around looking for street parking here, or wrestling bins through the garden to the curb.

It’s not quite as much outdoor living space as an acerage in PEI, but for downtown Toronto, it’s pretty luxurious.

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Mortgage rule changes will help spark demand, but supply is ‘core’ issue: economist

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TORONTO – One expert predicts Ottawa‘s changes to mortgage rules will help spur demand among potential homebuyers but says policies aimed at driving new supply are needed to address the “core issues” facing the market.

The federal government’s changes, set to come into force mid-December, include a higher price cap for insured mortgages to allow more people to qualify for a mortgage with less than a 20 per cent down payment.

The government will also expand its 30-year mortgage amortization to include first-time homebuyers buying any type of home, as well as anybody buying a newly built home.

CIBC Capital Markets deputy chief economist Benjamin Tal calls it a “significant” move likely to accelerate the recovery of the housing market, a process already underway as interest rates have begun to fall.

However, he says in a note that policymakers should aim to “prevent that from becoming too much of a good thing” through policies geared toward the supply side.

Tal says the main issue is the lack of supply available to respond to Canada’s rapidly increasing population, particularly in major cities.

This report by The Canadian Press was first published Sept. 17,2024.

The Canadian Press. All rights reserved.

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National housing market in ‘holding pattern’ as buyers patient for lower rates: CREA

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OTTAWA – The Canadian Real Estate Association says the number of homes sold in August fell compared with a year ago as the market remained largely stuck in a holding pattern despite borrowing costs beginning to come down.

The association says the number of homes sold in August fell 2.1 per cent compared with the same month last year.

On a seasonally adjusted month-over-month basis, national home sales edged up 1.3 per cent from July.

CREA senior economist Shaun Cathcart says that with forecasts of lower interest rates throughout the rest of this year and into 2025, “it makes sense that prospective buyers might continue to hold off for improved affordability, especially since prices are still well behaved in most of the country.”

The national average sale price for August amounted to $649,100, a 0.1 per cent increase compared with a year earlier.

The number of newly listed properties was up 1.1 per cent month-over-month.

This report by The Canadian Press was first published Sept. 16, 2024.

The Canadian Press. All rights reserved.

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Two Quebec real estate brokers suspended for using fake bids to drive up prices

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MONTREAL – Two Quebec real estate brokers are facing fines and years-long suspensions for submitting bogus offers on homes to drive up prices during the COVID-19 pandemic.

Christine Girouard has been suspended for 14 years and her business partner, Jonathan Dauphinais-Fortin, has been suspended for nine years after Quebec’s authority of real estate brokerage found they used fake bids to get buyers to raise their offers.

Girouard is a well-known broker who previously starred on a Quebec reality show that follows top real estate agents in the province.

She is facing a fine of $50,000, while Dauphinais-Fortin has been fined $10,000.

The two brokers were suspended in May 2023 after La Presse published an article about their practices.

One buyer ended up paying $40,000 more than his initial offer in 2022 after Girouard and Dauphinais-Fortin concocted a second bid on the house he wanted to buy.

This report by The Canadian Press was first published Sept. 11, 2024.

The Canadian Press. All rights reserved.

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