Available on mobile

Take Summitly with you.

Browse listings, get instant alerts, and talk to your AI concierge — all from your pocket.

Download on theApp StoreGet it onGoogle Play

Weekly market briefing

The smartest move starts here.

Curated listings, price trends, and neighbourhood insights — delivered Sunday morning.

Summitly

Your trusted partner in real estate. We help you find your perfect home, make informed decisions, and connect with expert professionals across Canada.

Coldwell Banker Summit Realty

Explore

Map SearchBrowse ListingsBrowse RentalsSold HomesOpen Houses

Sell & Rent

Sell Your HomeHome ValuationList Your Rental — FreeRental PricingRenting on Summitly

Resources

CalculatorsGet Pre-QualifiedNews & InsightsGuidesBlogAI ConciergeFranchise

Company

AboutContactFind a RealtorCareers — Join SummitlyFAQs
310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

Privacy PolicyTerms of UseCookiesSitemap

Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

    Summitly Logo
    Buy
    Sell
    Rent
    Pre-con
    Meet ZaraMy HomeNews & Insights
    HomeBuySell
    For sale On market 67 daysPrice drop · $15,000 off (-2.6%)

    432 Spruce Street

    East H·London East, ON·N5W 4P3·Near Dundas and First Street

    • 5 beds
    London East real estate›X12090911
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    This fantastic duplex is perfectly situated for students and investors alike, just minutes from Fanshawe College and public transportation. The main floor unit features 3 spacious bedrooms and 1 full bathroom, while the upper unit boasts 2 bedrooms, 1 full bathroom, and its own kitchen for added convenience. This home has been meticulously maintained and upgraded in recent years, boasting a range of modern features and improvements. Recent highlights include a new furnace (2019) and air conditioning unit (2020), a spacious deck built in 2020, and a full renovation of the main and upper levels in 2020, which included two brand-new kitchens. More recent additions include a sturdy fence (2023) and a newly upgraded garage with a metal roof and siding (2024). With these upgrades, this home is move-in ready and packed with modern conveniences! This recently renovated duplex is located on a quiet cul-de-sac and is a good opportunity for both investors and those looking for a living arrangement that offers a monthly passive income. It is close to both bus routes a major college and other amenities, which makes the fully furnished upper unit easy to rent.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    AI highlights by Zara
    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jun 27, 2026Price reducedCurrentReduced$569,900−$15,000 (2.6%)X12090911This page
    Oct 26, 2025SoldSold$505,000−$9,900 (1.9%)X12283076View
    Jul 14, 2025Previously listedSld$514,900 —X12283076View
    Apr 18, 2025ListedCurrentFor sale$584,900 —X12090911This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Forced Air
      Air conditioning
      Central Air
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 432 Spruce Street
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,800
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $254
    0.54% mill rate · ON
    The market

    How this home sits in the London East market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The London East market right now

    Average sold price, days on market, and closed-transaction count for London East — sourced from MLS®.

    • Avg sold price
      $463,905
      Last 30 days
    • Median sold price
      $458,000
      Middle of the market
    • Days on market
      33 d
      Avg from list to close
    • Closed last 30d
      393
      MLS® transactions
    Full London East market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 432 Spruce Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 432 Spruce Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 432 Spruce Street listed for?

      432 Spruce Street is listed at $569,900 on the MLS® (listing X12090911). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 432 Spruce Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 2 baths
  2. 1500-2000 sqft
  3. Detached
  4. Built 51-99
  5. Asking
    $569,900
    $0 / sqft · MLS® X12090911
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $630,911
    $580,438Confidence range$681,384
    Asking vs estimate
    ↓below
    −$61,011
    (-9.7%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 5 bedrooms (no sqft on file).

    Market analytics

    Homes like this in London East sell in about 33 days — this one has been listed 67 days.

    Avg sold price
    $463,905
    Median sold
    $458,000
    Avg days on market
    33
    Recently sold
    393
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    The main floor unit features 3 spacious bedrooms and 1 full bathroom, while the upper unit boasts 2 bedrooms, 1 full bathroom, and its own kitchen for added convenience.
  7. Recent highlights include a new furnace (2019) and air conditioning unit (2020), a spacious deck built in 2020, and a full renovation of the main and upper levels in 2020, which included two brand-new kitchens.
  8. More recent additions include a sturdy fence (2023) and a newly upgraded garage with a metal roof and siding (2024).
  9. This recently renovated duplex is located on a quiet cul-de-sac and is a good opportunity for both investors and those looking for a living arrangement that offers a monthly passive income.
  10. Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  11. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    1
    Parking spaces
    2
    Driveway
    2
  12. Interior

    6
    Basement
    Unfinished
    Family room
    N
    Kitchens
    2
    Total rooms
    13
    Laundry level
    Main Level
    Accessibility
    N
  13. Exterior & construction

    4
    Exterior
    Aluminum Siding, Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Concrete
    Pool
    None
  14. Lot & land

    2
    Year built
    51-99
    Zoning
    R2-3
  15. Listing & possession

    4
    Possession
    2025-07-11T00:00:00.000-00:00
    Occupancy
    Ideal 3 month closing, open to shorter.
    Property style
    1 1/2 Storey
    Property class
    Detached
  16. Room-by-room · 14 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    8 rooms
    • Bedroom
      9.6 × 9.4 ft
    • Bedroom
      9.4 × 7.6 ft
    • Living Room
      Fireplace
      24.6 × 12.7 ft
    • Primary Bedroom
      12.2 × 12.1 ft
    • Dining Room
      12.6 × 11.7 ft
    • Laundry
      8.5 × 7.0 ft
    • Kitchen
      13.4 × 10.2 ft
    • Bathroom
      3 Pc Bath
      9.4 × 9.0 ft

    Second level

    6 rooms
    • Living Room
      12.7 × 7.1 ft
    • Bathroom
      4 Pc Bath
      9.6 × 6.0 ft
    • Dining Room
      8.1 × 5.4 ft
    • Kitchen
      12.6 × 9.4 ft
    • Primary Bedroom
      16.8 × 11.1 ft
    • Bedroom
      10.2 × 9.4 ft
    Combined estimate
    $3,054
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,800
    /mo
    based on the purchase price of $569,900
    $113,980 cash
    $455,920 financed
    $384,004 total interest
    Monthly payment$2,800/ month
    Principal54%$455,920
    Interest46%$384,004

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in London East

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 50 Glass Avenue
      Sold
      Sign in for price
      50 Glass Avenue
      Detached
    • 439 Regent Street
      Sold
      Sign in for price
      439 Regent Street
      Detached
    • 524 Simcoe Street
      Sold
      Sign in for price
      524 Simcoe Street
      Detached
    • 1668 Hamilton Road
      Sold
      Sign in for price
      1668 Hamilton Road
      Detached
    • 228 South Street
      Sold
      Sign in for price
      228 South Street
      Detached
    • 401 Salisbury Street
      Sold
      Sign in for price
      401 Salisbury Street
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    432 Spruce StreetThis home5 / 215,002,000$569,900ask———
    50 Glass Avenue4 / 21,500—
    439 Regent Street5 / 52,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in London East

    Active listings within ±20% of this asking price.

    • 713 Adelaide Street
      $539,900
      713 Adelaide Street
      Detached 4 2
    • 1877 Royal Crescent
      $569,900
      1877 Royal Crescent
      Detached 4 3
    • 85 Stuart Street
      $549,000
      85 Stuart Street
      Detached 4 3
    • 7 BAFFIN Place
      $499,900
      7 BAFFIN Place
      Detached 4 2
    • 1171 Oxford Street
      $549,999
      1171 Oxford Street
      Detached 4 3
    • 776 Quebec Street
      $459,900
      776 Quebec Street
      Detached 4 3
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  17. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  18. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  19. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  20. Public listing courtesy of OAK AND KEY REAL ESTATE BROKERAGE, INC. · displayed on Summitly per MLS® data-share rules

    432 Spruce Street is a 5-bedroom, 2-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  21. When was 432 Spruce Street built?

    432 Spruce Street was built in 51-99. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  22. What is the property tax for 432 Spruce Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 432 Spruce Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  23. How much would the monthly mortgage be on 432 Spruce Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $569,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  24. Has 432 Spruce Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 432 Spruce Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  25. What neighbourhood is 432 Spruce Street in?

    432 Spruce Street is in East H, London East. The 'Neighbourhood' section below links to the live London East real estate hub with average sold price, days on market, and current inventory.

  26. Is London East a good place to live?

    London East is one of ON's actively-tracked Summitly markets. The full London East real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  27. 524 Simcoe Street
    5 / 3
    1,500
    —
    1668 Hamilton Road4 / 2700—
    228 South Street5 / 21,500—
    401 Salisbury Street4 / 21,100—