Welcome to this month’s installment of Dear Urbaneer, where our clients put us to the test with challenging real estate questions. This time around, our clients are wondering what’s covered with a property home inspection, what’s not (but worth investigating), and if an inspection is always worthwhile when purchasing a dwelling in the original City of Toronto.
Dear Urbaneer:
During our housing search, we have noticed that some homes come with a pre-listing inspection, while others do not. We know about the value of a property inspection as part of due diligence, for budgeting and also to help us make an appropriate offer.
However, are there circumstances where a property inspection might not be necessary? Also, what exactly does an inspection cover —and, more importantly, what is not covered? How can we protect ourselves against those risks?
Signed, Do We Really Need a Property Inspection?

Here’s my reply:
Dear Property Inspection.
The short answer is yes: in almost all cases, it is warranted to get a property inspection. A standard property inspection gives you a starting base for recourse, as well as an out from your conditional contract if something doesn’t sit right. All in all, it is money well spent.
While a home inspection doesn’t cover every potential deficiency in a property (more on that later), it does offer an overview of the structure and major building components, providing a snapshot of the dwelling’s condition at that moment in time.
Many realtors in the city of Toronto prepare one as part of their listing service (here’s what the Urbaneer team and I do for clients listing their properties – along with our tips for sellers – in How To Prepare Your Home For Sale) and make it available to potential buyers in advance of their submitting an offer.
I’m a fan of them as it provides an unbiased third party opinion of the dwelling, reduces the sellers’ liability while providing a buyer with a summary of deficiencies in advance of their submitting a bid, allows me to price the property taking into account the issues or allows the Seller the opportunity to repair them and include the receipts with the report to demonstrate their good intentions and pride of ownership. Why not all realtors offer one surprises me, given they’re an invaluable tool in the sale of bricks and mortar.
Completing a property inspection as part of your due diligence is about safety and protection—both financial and physical. A property inspection may reveal illegal or unsafe construction that could put you and your family in danger while living in your home. Similarly, without a property inspection, you could be on the hook for substantial repairs or even liability costs, depending on what the issue is. Illegal or unpermitted work in a home, for example, could represent a fire hazard. You may face considerable increases in insurance premiums and repair costs, or live in a hazardous situation.
But first, I want to share with you one of my blogs, which I send to all my clients looking for a house, so they fundamentally Understand The Six Essential Layers Of Property. These six layers—Site, Structure, Skin, Services, Space Plan, and Stuff (the furnishings) – break down the factors by which you should assess a property.
Yes, we all love and can become seduced by a home’s decor when looking for a property to buy (though be wary of Home Staging which can mask defects as I wrote in Why Is Home Staging Important When Selling Real Estate?), but what’s most critical are the more practical details of a dwelling like what is it built of (brick, wood, plastic) and is it structurally sound (are there cracks in the foundation and, if yes, the ok kind or the bad kind), how well is it built to withstand our extreme weather conditions (like water management and insulation), and the condition of the primary building components (heating/cooling, windows, roof, plumbing and electrical), for example. Fortunately, most of these items are covered by a home Inspector, provided they can be seen easily.
The framework for a basic property inspection is intentional. It sets expectations for some of the most essential elements for a home’s viability. This lets the potential buyer know the home’s current condition, anticipate the lifespan of systems and necessary repairs, and plan for replacement. This helps a buyer decide whether to proceed with an offer, whether the inspection findings affect the offer, and/or how much they should negotiate on the price. The reality is that, in Toronto, much of the housing stock is old, so chances are that you’ll find something. It’s not uncommon to find defects needing repair in new homes, too. But don’t be alarmed. This is about education to guide decisions well.
However, you bring up a good point. What is and isn’t covered by a property inspection, and what do you need to know about it?

Are There Situations in Which You Might Forgo A Property Inspection?
It’s almost always advisable to get a property inspection, as it is a valuable tool for making decisions about property purchases. However, if you are purchasing a home primarily for its land value and intend to tear down existing structures, a property inspection may not be warranted.
There is a common perception that a new build, or a newer home, may not require a property inspection. This is false. Even brand-new ones can have issues you might have to address as the future owner.
Would you happen to need a property inspection for a condo? Yes, again, even if it is new. An inspection will provide more information about the structure, electrical, and plumbing — all of which are good to know before a potential purchase.

What is Covered by a Standard Property Inspection in 2025?
Essentially, a property inspection covers structural components, basements, and mechanical systems, all with an eye to safety, gauging the life expectancy of these home components, and identifying any problems, necessary repairs, or replacements.
So, structural items include the roof, foundation, exterior walls, and windows and doors. Mechanical systems would consist of HVAC, plumbing, electrical, insulation and ventilation. The basement is checked for drainage, moisture and moisture damage, such as mould.
It’s important to note that, while a basic property inspection is thorough for the components it covers, the inspector doesn’t take down walls or similar looking for deficiencies, which is why, depending on the home, risk factors, age of building, location and budget, a homeowner might consider arranging for additional and specific inspections for proper due diligence (but more on that below).
Additionally, it’s essential to understand that an inspector is only conducting a visual inspection, so it’s possible that there are deficiencies in a property that cannot be seen and therefore remain undetected. This is particularly true with foundation issues (because so much can be missed if the basement is finished – I always advise clients that I prefer to sell houses with unfinished or partially finished basements because we can see so much more of the bones of a home – a cracked foundation can be enormously expensive to fix and can impact the structural integrity of a dwelling. The same is true of water management issues like improper grading, or the presence of mould, etc
Think of a standard property inspection as a starting point. When you consider all the potential problems that could be happening beyond your line of vision (and the inspector’s) with a home and the possible consequences, it is a good idea to dig deeper.
As I’ve written about in my Healthy Home series, several risks can be present in your home – most of which are not covered in the standard inspection – including the following, which I address in more detail further down in this blog:
• Healthy Home: Termites For Our Anniversary
• Healthy Home: What You Need To Know About Buried Oil Tanks
• Healthy Home: Is Kitec Plumbing Draining Your Pocketbook?
• Healthy Home: What You Need To Know About Household Mould
• Healthy Home: What You Need To Know About Asbestos
• Healthy Home: A Guide to Radon Exposure
• Healthy Home: Sick Building Syndrome
Some of these issues could be identified during a standard property inspection. Many may not, saying that in the spirit of due diligence and the protection that comes with making a prudent, researched decision when buying a home (even if an inspection uncovers “bad news”), you might want to consider extending your property inspection services.
One thing is for sure about all inspections: you MUST vet a reputable inspection service. In April 2017, the government enacted the Home Inspection Act, establishing minimum standards for home inspection contracts, reports, disclosures, and the performance of home inspectors. Be sure to do your research and choose a certified firm with many positive reviews/testimonials. Suppose you’re unsure what exactly you’re looking for. In that case, the Canadian Home Inspection Service provides a set of criteria for vetting companies and here’s one of my past posts called Choosing A Home Inspector.
However, if you’re seeking a personal recommendation, I have two home inspection firms I’ve been using for years. One is National Home Inspection (I favour Mark or Richard), and the other is Classic Home Inspections, run by Brent.

How “Much” Inspection Do I Need?
We have established that a standard property inspection serves as a starting point. How much deeper do you need to go?
Some sellers deliberately try to hide something as well, so you are well advised to leave no stone unturned, real estate style.
How thorough should you be? Well, that depends on your budget for inspection and other factors (e.g., age of the home, known environmental issues in the area, known problems with the builder/housing type, etc.). If you are negotiating a purchase, and you have the opportunity to make it conditional on your completing your due diligence, ensure your realtor includes a clause(s) which offers a greater scope, like “This offer is conditional on the Buyers engaging inspector(s) of their choosing to inspect the subject property”. In other words, a conditional clause doesn’t need to be limited to a “home inspector” or just “one inspection”.
While it can be alarmist to delve deeper behind portions of a property “just in case”, if you have a gut feel, or better still, evidence to suggest that a closer look is warranted, then inform the owner and realtors involved by explaining your suspicions and your desire to explore further to your satisfaction.
If you want to open up walls, you will need the seller’s approval to go ahead with further analysis, and it may require your agreement to return the dwelling to its previous state at your own expense, whether you do or don’t proceed with the purchase. Is it worth it? If it’s about mitigating the risk of purchasing the right—or wrong—home, then I’d say “yes”.
Below is a list of potential hazards a property may have that are typically not covered in a building inspection and may warrant further due diligence for complete peace of mind. An inspector may note these, but they are not tested or certain

Is The Property In A Termite Zone?
If the dwelling is located in a known termite zone, there is an elevated risk that the property may be subject to termite damage. Termites seek moisture and prefer wood, making a home an ideal nesting site, especially in areas with water damage or those naturally prone to moisture, such as exterior wood stairs and downspouts. In addition to ordering an inspection from a pest company, you can reduce the likelihood of termites becoming unwanted guests by addressing plumbing leaks, avoiding soil contact with wood, and removing any wood within 12 inches of the ground.
Termite damage can be devastating. I wrote about it in this post: “Healthy Home: Termites For Our Anniversary,” which incidentally shared my concerns about a Home Inspection that I felt was of poor quality, as it missed some pronounced potential signs of termite infestation. And the Basement Blues blog, where I write about discovering a partially finished basement with a crawl space at high risk for termites, which, if found, would require significant remediation costs.

Buried Oil Tanks
Given the age of Toronto’s housing stock, buried oil tanks are a real possibility for many homes. In years past, oil was the preferred heating source, and homes typically had a reserve tank on the property, often buried in the yard.
Even though most homes have converted to more energy-efficient, more environmentally friendly heating methods, many oil tanks remain buried. Some homeowners may not even be aware they are there, which is why, if you suspect this might be a problem, it is a good idea to get an inspection specifically for it. If you have an oil tank and purchase the property, you may be liable for environmental cleanup, tank removal, and other associated costs.

Swimming Pools
In the heat of summer, an inground swimming pool would be a welcome addition to any backyard. Still, it can represent a significant additional cost if it is damaged or leaks. Rips in the liner or plumbing around the pool can occur at any time, resulting in a substantial repair bill. And, incidentally, a swimming pool does not increase your resale value. For many, they’re not considered desirable given the expense of maintenance and repairs, so an inground pool could actually narrow your pool (haha) of buyers. While I don’t find above-ground pools attractive (unless they are concealed to resemble an in-ground pool—ironically), they always allow a future Buyer to remove them.

Wells, Septic & Kitec Plumbing
While this doesn’t apply to homes, in urban settings, if you are considering a rural or leisure property (such as a cottage), you may want to obtain separate inspections for your health and septic system. Your financial institution will likely require a well certificate as part of their financing conditions to ensure the water is potable. Still, you may want to go one step further by testing. It is your water source after all! Here’s my blog, “So You Want To Buy A Country Home?“, which addresses issues specific to rural properties.
As for septic tanks, they typically last many years, but certain conditions can cause damage. This is very costly to fix and can cause significant damage to your property. Better safe than sorry before you take on this cost.
During a standard property inspection, the inspector will visually inspect existing plumbing, but they won’t go behind the walls for a deep plumbing inspection. Remember – no drywall will be removed, no flooring pulled up, etc. For instance, if you are looking at a home built (or renovated) between 1995 and 2007, be aware that there is a high probability that Kitec Plumbing might be present in your prospective home. Kitec was a popular choice for plumbing material because it was corrosion-resistant (or so they thought). It actually corrodes at an accelerated rate, so it’s not such a good choice after all. Corrosion means more plumbing leaks and water damage. You’ll want to know if this is present before you buy a home, and in Toronto, this includes condominiums. There are dozens of condos in Toronto with Kitec Plumbing. In my March 2018 ‘Home of the Month’ feature, The Queensway, I shared how my Buyers negotiated a purchase with the Seller, completing the replacement of the Kitec Plumbing as part of their Agreement of Purchase and Sale.
Similarly, you may benefit from plumbing inspections that utilize more advanced technology, such as cameras that can inspect sewer lines and drains deep within the plumbing network to identify potential issues.

Household Mould
We’re not talking about mould around the edges of the bathtub – that’s an easy fix (not to mention visible!) What a general home inspection will often miss is unseen mould, such as behind walls and above ceilings. Usually, the result of a larger moisture problem, significant mould growth can not only pose a serious health concern for those breathing it in, but also damage the structure of your home over time and affect its resale value.
It can grow on a wide variety of substances that contain organic matter, such as food, paper, wood, carpeting, leather, cardboard, wallpaper, ceiling tiles, and insulation. Although mould and mildew are undeniably gross, they do serve a function in the great outdoors by helping organic matter break down and enrich the soil. However, when you encounter this environmental phenomenon within the walls of your own home, where it shouldn’t be, then you run into health and structural risk.
As far as health problems go, if you are living in a mouldy house, you could be faced with respiratory problems that include sinus, eye and nose congestion. If you already have a respiratory condition, such as asthma or COPD, the presence of mould can exacerbate it. Children, the elderly and pregnant women are more vulnerable. People also commonly report headaches with mould contamination. You can take a look here: Healthy Home: What You Need To Know About Household Mould.

Asbestos
Again, the age of your prospective home will factor into whether you want additional inspections when you are looking for things like asbestos.
Before 1990, asbestos was a very popular material for fireproofing and weatherproofing in homes. However, there are serious health concerns associated with this material, so it is essential to be aware of its presence. I’m always on the lookout for it.
Meanwhile, an inspector may note building components that may contain asbestos and alert the buyer, but does not test it, including but not limited to the wrapping on hot water radiator pipes, ductwork, boilers & hot water tanks, floor & ceiling tiles and their adhesive pre-1980, popcorn ceilings pre-1986, as well as roofing shingles and felt.
Additional clues include forced air ductwork (lift the floor register to see if there’s any paper under it, which may contain asbestos), old linoleum in dated kitchens, and those old ceiling tiles owners once attached to cover cracking plaster.
Just to let you know, removing asbestos safely requires the expertise of a trained professional.

Radon Gas Exposure
Radon is a radioactive gas that is odourless, colourless, and tasteless. It is produced by the breakdown of uranium found in sediment (soil), rocks, and water. When radon is released into the atmosphere, it gets diluted and poses a risk to human health. According to 2024 stats released by the University of Calgary, “an estimated 10.3 million Canadians are living in houses with high radon, increasing their risk of developing lung cancer in the future. The report reveals nearly 18 per cent of Canadian homes contain radon levels at or above 200 Bq/m³, the threshold at which Health Canada advises action to reduce indoor radon levels. This is more than double the seven per cent of households that were estimated to have radon levels at or above this limit in 2012.” When inhaled in larger quantities, it remains in the lungs and causes decay, and eventually can contribute to cancer. In fact, it’s the second leading cause of lung cancer in Canada! And you’d never know you were breathing it in.
In this blog post, we discuss the origins of radon, its accumulation, associated health risks, and strategies for addressing the problem: Healthy Home: A Guide to Radon Exposure.
Health Canada recommends that a radon inspection be done for every real estate purchase. Here is an excellent resource from the Canadian Real Estate Association (CREA) that provides comprehensive information about radon: A Homeowner’s Guide to Radon.

Vermiculite Insulation
When an inspector can access the attic, they might discover Vermiculite Insulation. Not all Vermiculite has asbestos, so you’ll need a specialized asbestos inspection if this is the case.
An inspector will access an attic, provided it is safely accessible. If, for some reason, they can’t safely get into the attic, they will note it in the inspection and observe what they can from an attic hatch.
If your home was built or renovated before the 1990s, it may contain one of numerous options: fibreglass batt insulation, blown-in cellulose, sprayed polyurethane foam or even vermiculite. This latter choice, popular between the 1940s and 1980s, may prove problematic depending on its origin, as it may contain amphibolic asbestos fibres. Unfortunately, you can’t tell just by looking at it, so it has to be analyzed in a lab. Like all existing asbestos items in a dwelling, you can leave them undisturbed and be okay, but the moment you move them, you’re at risk. So, don’t sweep it or vacuum it up, and avoid storing belongings in the attic.
Here’s a comprehensive piece from CBC on Vermiculite: FAQs

Lead Paint, Pipes & Soil
If your home was built before 1978, there is a good chance it has lead-based paint. Lead from paint, including lead-contaminated dust, is one of the most common causes of lead poisoning. Sometimes it’s under layers of newer paint, and as long as it remains undisturbed, the lead paint is usually not a problem. Deteriorating lead-based paint (peeling, chipping, chalking, cracking, damage, or dampness) is a hazard and requires immediate attention.
This is a specialized service, with a certified lead-safe inspector using various tools to detect lead. It may require samples or paint chips to be sent to a laboratory for analysis.
Lead is used in some water service lines and household plumbing materials. Lead can leach into or enter the water as it flows through the plumbing. Lead pipes and lead solder were commonly used until 1986. In Toronto, residents of homes built before the mid-1950s can submit a tap water sample to the City for free testing to help determine the amount of lead in the water.
This is because before the mid-1950s, lead was commonly used to build pipes that delivered water from the street into residential homes. Lead pipes were not used in apartments and other buildings with more than six units, regardless of age. Lead is too soft to handle the pressure needed for these types of buildings. Often, I see homes where the dwelling has copper piping, but the original intake is lead. Could you ensure that your inspector checks for this, although it can be tricky to confirm? Here’s the City of Toronto site on Lead Testing for Residents.
Given that lead is naturally occurring and can be found in high concentrations outdoors. Soil may also be contaminated by past use of exterior lead paint, leaded gasoline in cars, industrial sources, or sites contaminated by former lead smelters. Lead in soil can be ingested through hand-to-mouth activity, which is common among young children, and through eating vegetables that may have taken up lead from contaminated garden soil. Lead in soil may also be inhaled if it resuspends in the air or is tracked into your house, thereby spreading contamination.
Did you know that back in the 1970s, children living in South Riverdale were discovered to have high levels of lead in their blood? One firm, a lead smelting factory on Eastern Avenue called the Canada Metal Company, was identified as the main culprit. It belched poisonous emissions across the east end for decades. To remedy the problem, over 1000 houses and three schools in South Riverdale underwent a massive soil remediation program. Click here for community advocate Laura Jones’ documentation of her and her neighbourhood’s efforts to combat and remedy lead soil contamination, or check out my post containing more info on Why Toronto’s East Side Real Estate Has Historically Been Cheaper.

Knob And Tube Wiring
As I discovered personally during the transformation of an 1880s manse in Charlottetown, my own property inspector missed the existing knob and tube wiring during a standard property inspection due to the limitation of not being able to access the wiring behind the walls. (If you love a good renovation blog, you may enjoy my Tales Of Upper Hillsborough journey included on Urbaneeer.com.) Homes constructed between 1880 and the 1940s may still have knob and tube wiring. This is a special concern due to the potential fire hazard and its impact on your insurance premiums. If you determine this is a possibility, it is a good idea to conduct an additional inspection.
While it doesn’t fit seamlessly with the individual risks above, if you’re an urban dweller, it is prudent to be aware of sick building syndrome, which can affect condominiums and freehold houses alike. Here’s our discussion: ‘Healthy Home: Sick Building Syndrome‘.
These items are not necessarily associated with a property inspection, but they are worthwhile research to get a fuller picture and to identify potential structural and financial risks you might take on as the property’s new owner.

Flood Risk
With climate change and an increased frequency of weather events, flood risk is a growing concern for homeowners. It can be catastrophic and costly, as obtaining insurance coverage may be challenging. At the same time, the value of your home may drop if the area becomes prone to flooding. It’s something you want to know in advance about to guide a purchase decision, especially if you are near the waterfront (although flooding happens well away from the shoreline in many cases, too).
While a typical property inspection does not assess flooding risk, an inspector will note issues that could increase the likelihood of water damage if flooding were to occur, such as dampness, moisture, poor drainage, lack of eavestroughing, and similar issues.
Determining flood risk is a due diligence activity homeowners should undertake, checking with municipalities, the City of Toronto floodplain maps, and conservation authorities to gauge flood vulnerability. Authority (TRCA) Flood Plain Map Viewer to check if the address is within a flood plain, as this indicates a risk of flooding. For information on past floods or local drainage issues, contact the City of Toronto at 311 or email 311@toronto.ca.
It’s old school, but it is also worth talking to neighbours in the area to see what their experience with flooding has been.

Crime Stats, Grow-Ops, Murders, Suicides
This is more about a neighbourhood than a specific home, but buyers should be aware of crime rates in prospective neighbourhoods. The crime rate might influence your purchase decision or at least inform your home security measures.
Check out the Toronto Police Service Public Safety Data Portal to explore data trends on crime in various areas in the city.
Has the home been a grow-op? If a grow op caused mould, electrical hazards, or required remediation, that must be disclosed; if it didn’t, it might not be overtly obvious during a standard property inspection. You can also be on the lookout for sure tells that a grow op has been present, such as excessive mould, extra electrical & wiring, often bypassing meters, and unusual humidity damage.
Let’s say the home was the location for a murder or a suicide. The seller is not required to disclose that information, but you can do your own research by looking through news archives, police archives, and Google searches for reports on the address in question.
Or, visit a site such as Housecreep, which hosts a database on “stigmatized houses” (think crime, suicide or other events).

Has The Home Ever Had Fire Damage?
In Toronto, to determine if a home has ever suffered fire damage, submit a Freedom of Information (FOI) request to Toronto Fire Services, with a $5.00 application fee. This will let you know if the property has ever had a fire call or an inspection for fire damage.
You can search building records by city, as repairing damage from a fire typically requires permits.
Knowing whether a home has had fire damage is essential, mainly if it affects the home’s structural integrity.

Is There A Heritage Designation?
To see if the home in question has a heritage designation, search the city of Toronto’s heritage register. Homes may have an individual designation or might be part of a larger heritage district.
Having a heritage designation can affect you in several ways. You may be limited in the types of renovations you are allowed to conduct, both inside and out. You may not be allowed to do certain things at all, or you may be required to follow a strict permitting process.
You may be required to use specific materials in a renovation to preserve historic continuity, which can be more costly than other, more accessible, and likely cheaper building materials.

Municipal Compliance (And Noncompliance!)
You can learn about activity around bylaw enforcement at a given home by viewing investigation activity on the City of Toronto website. This could include infractions and enforcement on anything from fencing to waste, rooming houses, and unkempt lawns and yards. This helps gauge the types of activities that happened in the home previously, which also informs how you’d like to proceed with additional property inspections.

Find Out About Legal & Financial Claims
A property with outstanding liens for unpaid taxes or services, or a history of legal disputes, can complicate or even prevent a sale. Typically, your real estate lawyer determines if a property has liens for you, as part of the title search, but you can do it yourself if you are curious.
To determine whether there is a lien against your home, visit OnLand, a virtual land registry office. You can search for them, which will reveal any outstanding liens against a prospective property
Your lawyer’s title search will also reveal details such as unpaid utilities or taxes.
To research the history of legal claims and cases against a property, search online court case registries, such as the Ontario Court of Justice and the Landlord and Tenant Board, if the home has been a rental property.
History of Your House
While this may or may not help with pre-purchase property inspection, it’s worth visiting the City of Toronto’s History of your House, if you are curious about learning about past residents, maps, building permits and city directories. It’s interesting, and, in some cases, downright awesome!
We have a handsome family home for sale in Oakwood Village right now, if you’d like to take a peek! And you can contact us for the presale home inspection report, too!!
We’d be delighted to show it to you: A Sensational Sun-Kissed Semi In Oakwood Village, offered for sale at $939,000! From this property, it’s just a 7-minute walk north to Eglinton, and you’re right at Oakwood Station! How convenient would that be for your daily commute?!
Located just south of Eglinton Avenue West and one block west of Oakwood Avenue, this heart-grabbing 2-storey 3-bedroom character dwelling (built in 1926) possesses all the charm and beauty you’d expect from a well-maintained Edwardian home. It’s steps to the shops of Oakwood Village, a 7-minute walk to the soon-to-be-open Oakwood Station on the new Eglinton Crosstown LRT, and a 7-minute stroll to the Fairbanks Memorial Swimming Pool, Park & Recreation Centre!
Situated on a 17.5-foot x 110-foot fully fenced lot with a generous patio, raised planter bed, and charming storage shed, the property shares a mutual drive with its neighbour to the north. This semi-detached brick-and-frame dwelling encompasses 1158 square feet on two levels above grade, plus an additional 501 square feet below grade.
Have questions? Interested in booking a private viewing? It would be our pleasure to assist. Contact James Ormston by email (james@urbaneer.com) or phone (647-388-1357).
Did you enjoy this post? Here’s some related reading that may interest you!
What Does A Toronto Real Estate Lawyer Do For A Property Seller?
Dear Urbaneer: About Holdbacks, Bully Offers, & Bidding Wars For Sellers
Maslow’s Hierarchy Of Needs And Toronto Real Estate For Sellers
Maslow’s Hierarchy Of Needs And Toronto Real Estate For Buyers
Everything You Need To Know About Property Under Power Of Sale In Toronto
Will Title Insurance Cover A Prior Renovation Completed Without A Building Permit?
Since 1989, I’ve steered my career through a real estate market crash and burn; survived a slow painful cross-country recession; completed an M.E.S. graduate degree from York University called ‘Planning Housing Environments’; executed the concept, sales & marketing of multiple new condo and vintage loft conversions; and guided hundreds of clients through the purchase and sale of hundreds of freehold and condominium dwellings across the original City of Toronto. From a gritty port industrial city into a glittering post-industrial global centre, I’ve navigated the ebbs and flows of a property market as a consistent Top Producer. And I remain as passionate about it today as when I started.
Please consider contacting me at 416-845-9905 or emailing me at Steve@urbaneer.com. It would be my pleasure to assist you.
We’d love to introduce you to our services.
Serving first-time Buyers, upsizers, downsizers, and people building their long-term property portfolios, our mandate is to help clients choose the property that will deliver the highest future return on their investment while ensuring it best serves their practical needs and their dream of “Home” during their ownership.
Are you considering selling? We welcome providing you with a comprehensive assessment free of charge, including determining your Buyer profile, optimizing your return on investment, and tailoring the listing process to your circumstances. Check out How Urbaneer’s Custom Marketing Program Sold This Family-Friendly Home In Riverdale to learn more about what we do!
Consider letting Urbaneer guide you through your Buying or Selling process, without pressure or hassle.
We are here to help!

-The Urbaneer Team
Steven Fudge, Sales Representative
& The Innovative Urbaneer Team
Bosley Real Estate Ltd., Brokerage – (416) 322-800
– we’re here to earn your trust, then your business –
Celebrating Thirty-Five Years As A Top-Producing Toronto Realtor
*Did you know we were recently listed as one of The Top 60 Best Toronto Blogs & Websites? And we earned the #5 spot on Feedspot’s Top 30 Toronto Real Estate Blogs & Websites’ List!
Consider signing up in the box below to receive our FREE monthly e-newsletter on housing, culture, and design, including our love for unique urban homes and other Toronto real estate!
*Love Canadian Housing? Check out Steve’s University Student Mentorship site called Canadian Real Estate, Housing & Home, which focuses on architecture, landscape, design, products, and real estate in Canada!












