$750K · 2 bed Condo Apartment · Waterfront Communities C1, Toronto

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About this home

One of the most sought-after addresses in the Fashion District, this two-storey residence offers a triple-exposure layout rarely found in the District Lofts. Spanning just over 1,000 square feet, this loft benefits from south, west and north exposures, bringing in a dynamic quality of light that evolves throughout the day. The two-level design creates a natural rhythm between, understanding how people actually live. The main level is open, social and designed for movement while the upper level c…

Property details

MLS#

C12966898

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

2-Storey

Type

Condo Apartment

Year built

—

Property features: Arts Centre, Hospital, Library, Park, Place Of Worship, Public Transit

Fireplace features: Electric, Living Room

View: Clear, Downtown, City, Skyline

Condo corp #: 1435
Balcony: Terrace
Locker: Owned
Association amenities: BBQs Allowed, Concierge, Exercise Room, Party Room/Meeting Room, Rooftop Deck/Garden, Visitor Parking
Fees include: Heat Included, Water Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Richmond St W & Spadina Ave
Basement: None
Stories: 3
Utilities: —
Laundry: In-Suite Laundry, Laundry Closet
Interior: Built-In Oven, Carpet Free, Countertop Range
Parking features: Underground

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $749,900✓ $4,162 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,668/mo

incl. closing costs (yr 1)

Annual total

$80,014

year 1

Mortgage only

$2,845/mo

principal + interest

Beyond mortgage

$2,409/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$149,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$347/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$7,499/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)$84/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $34,139/yr

Property taxes20% $15,635/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $7,499/yr

Condo fees15% $12,082/yr

Closing costs6% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$34,139	$2,845/mo
Government & taxes
Property tax	$4,162	$347/mo
Land transfer tax(closing)	$11,473	$956/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%)	$7,499	$625/mo
Condo fees
Condo / HOA fees	$12,082	$1,007/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	$80,014	$6,668/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