$549K · 2 bed Condo Apartment · Yonge-St. Clair, Toronto

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About this home

DESIRED & PRIME 'DEER PARK Neighbourhood'. Spacious 2 Bedroom / 2-Bathroom (separated) "open concept" unique floor plan. Every square foot ~USABLE space! Bright-clear-quiet tree'd view via floor-to-ceiling picture window. LOCATION! ~is walking minutes to living essentials: transit, groceries, restaurants, and shops. Lovingly Landscaped Community~acknowledged as "Welcoming & Safe". Bright. Open. Move-in ready. Consider a 'market entry opportunity'... (buy with a friend rather than rent).

Property details

MLS#

C12836422

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

900-999

Style

Apartment

Type

Condo Apartment

Year built

—

Property features: Clear View, Library, Park, Place Of Worship, Public Transit, School

View: Clear, City, Park/Greenbelt

Condo corp #: 1065
Balcony: None
Locker: Owned
Association amenities: Party Room/Meeting Room, Elevator, Rooftop Deck/Garden, Visitor Parking
Fees include: Heat Included, Common Elements Included, Hydro Included, Building Insurance Included, Water Included, Parking Included, CAC Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Yonge & St Clair
Basement: None
Stories: 2
Utilities: —
Laundry: Ensuite
Interior: Built-In Oven, Carpet Free, Primary Bedroom - Main Floor, Separate Heating Controls, Water Heater
Parking features: Reserved/Assigned

Level	Room	Dimensions
Flat	Foyer	0.9m × 2.6m
Flat	Bedroom 2	3m × 3.5m
Flat	Living Room	3m × 3.1m
Flat	Dining Room	2.5m × 3.1m
Flat	Den	2.3m × 2.5m
Flat	Kitchen	2.5m × 2.5m
Flat	Primary Bedroom	4m × 3.8m

Level

Room

Dimensions

Flat

Foyer

0.9m × 2.6m

Flat

Bedroom 2

3m × 3.5m

Flat

Living Room

3m × 3.1m

Flat

Dining Room

2.5m × 3.1m

Flat

Den

2.3m × 2.5m

Flat

Kitchen

2.5m × 2.5m

Flat

Primary Bedroom

4m × 3.8m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $549,000✓ $3,548 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,508/mo

incl. closing costs (yr 1)

Annual total

$78,090

year 1

Mortgage only

$2,083/mo

principal + interest

Beyond mortgage

$3,345/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$109,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$296/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$5,490/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$180/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)32% $24,993/yr

Property taxes14% $11,003/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance7% $5,490/yr

Condo fees33% $25,944/yr

Closing costs7% $5,100/yr

Mortgage is 32% of your true cost of ownership. The other 68% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$24,993	$2,083/mo
Government & taxes
Property tax	$3,548	$296/mo
Land transfer tax(closing)	$7,455	$621/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,490	$458/mo
Condo fees
Condo / HOA fees	$25,944	$2,162/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$78,090	$6,508/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Annual costs