It's funny, I remember reading a news item that was all about Tim's finally cracking the Toronto core. It went on about the two closest Tim's (there is on street level at Colege and Yonge and one right below at the entrance to the Subway).
I can remember, not too long ago, when it was very hard to find a Tim's down here (by the way, Yonge and Finch is hardly down town -- I lived at both Yonge and Finch and Yonge and Sheppard... I know
).
If you look at the map, Parkdale, Queen West, Bloor West, King West (there is one in the gas station at Stachan and King), Dundas West, Little Italy, etc. do not have Tim's.
The closest to me, at my office at Richmond and Spadina, is Front and Peter, Spadina and Nassau or King and John. But by the time I actually walked to those locations, I would have to pass a large number of other places that offer superior product.
By the way, there is something screwy about the store locator. I widened the search to 10K around Toronto... It shows two locations at Dundas and West (stores 68 and 69). I can safely say that there are no Tim's there as I drive through that residential neighbourhood everyday.