Loading neighbourhood intel…

$619K · 1+1 bed Condo Apartment · Bay Street Corridor, Toronto | MyPropertyScout

$618,800

Unit 607

1+11TenantOccupied

Map

$618,800

B●●●○○

Unit 607

889 Bay Street · Toronto · Ontario M5S 3K5

MLS® C13091672 · Bay Street Corridor · M5S 3K5

1+11TenantOccupied700-799 ft²Condo Apartment1-car Underground$826/ft²$3,537 tax/yr

4% below market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Experience comfortable urban living in the heart of Toronto's prestigious Bay Street Corridor. This bright and spacious 1 Bedroom + Den suite offers a generous interior layout thoughtfully designed for real everyday living, featuring an open-concept living and dining area with an airy and welcoming flow. The oversized den can comfortably function as a second bedroom, guest space, or private home office, adding exceptional flexibility to the layout. Step out onto the large balcony and enjoy your…

Reserved · coming next

MyPropertyScout exclusive

Reserve your Home Buyers Package

Could save you thousands on this purchase — closing strategy, negotiation & rebate.

MyStreetValue™ Analysis

Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →

Property details

MLS#: C13091672
Status: Buy Now
Beds: 1+1
Baths: 1 full, 0 half
Size: 700-799
Style: Apartment
Type: Condo Apartment
Year built: —

Condo corp #: 1245
Balcony: Open
Locker: Owned
Fees include: Parking Included, Building Insurance Included, Heat Included, Water Included, Hydro Included, CAC Included, Common Elements 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: Bay / Wellesley
Basement: None
Stories: 6
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: —

Rooms

Level	Room	Dimensions
Flat	Living Room	3.06m × 6.1m
Flat	Dining Room	3.06m × 6.1m
Flat	Kitchen	2.44m × 2.6m
Flat	Primary Bedroom	3.05m × 4.27m
Flat	Den	2.51m × 3.1m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: EXP REALTY

Source: TRREB/PROPTX · MLS® C13091672

Do you own a home in Toronto?

Find out what it's worth — and what you'd walk away with after mortgage, commission and fees.

Get My StreetValue™ →

$619K

Unit 607 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $618,800✓ $3,537 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,661/mo

incl. closing costs (yr 1)

Annual total

$67,928

year 1

Mortgage only

$2,348/mo

principal + interest

Beyond mortgage

$2,117/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$123,760

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$295/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 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%$6,188/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)$73/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,851

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $28,170/yr

Property taxes18% $12,388/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,188/yr

Condo fees15% $10,521/yr

Closing costs8% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$28,170	$2,348/mo
Government & taxes
Property tax	$3,537	$295/mo
Land transfer tax(closing)	$8,851	$738/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%)	$6,188	$516/mo
Condo fees
Condo / HOA fees	$10,521	$877/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	$67,928	$5,661/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.

Unlock Insider Deals

Sign in

Unit 607

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

Request a Showing

Request a Showing

Annual costs