$729K · 2 bed Condo Apartment · Bay Street Corridor, Toronto

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About this home

Spacious 855 Sq Ft Corner unit with 2 Balconies, 2 bedrooms with 2 full bathrooms condo with Parking and Locker In Prime Bay And College Location. All Utilities Included. Open Concept, Great Size Living Dining. Good Size Bedroom & W/I Closet. Steps To U of T, Toronto Metropolitan University,Financial District & Hospitals. Primary Bedroom With Walk-In Closet. Unit is Freshly painted with some renovations. Indoor Pool, Sauna, Steam Room, Games Room, Gym, Track, Concierge & More.ALL REASONABLE OFFE…

Property details

MLS#

C13164370

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

700-799

Style

Apartment

Type

Condo Apartment

Year built

—

Property features: Hospital, Public Transit, School

Condo corp #: 1284
Balcony: Open
Locker: Owned
Fees include: Heat Included, Water Included, Hydro Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete, Other
Fronting on: —
Cross street: BAY ST AND COLLEGE ST
Basement: None
Stories: 16
Utilities: —
Laundry: Ensuite
Interior: Other
Parking features: —

Level	Room	Dimensions
Main	Kitchen	2.25m × 2.75m
Main	Living Room	3.43m × 6.1m
Main	Dining Room	3.43m × 6m
Main	Primary Bedroom	3.05m × 3.95m
Main	Bedroom 2	2.9m × 3.4m

Level

Room

Dimensions

Main

Kitchen

2.25m × 2.75m

Main

Living Room

3.43m × 6.1m

Main

Dining Room

3.43m × 6m

Main

Primary Bedroom

3.05m × 3.95m

Main

Bedroom 2

2.9m × 3.4m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $729,000✓ $3,786 tax✓ Gas✓ 700-799 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

$80,012

year 1

Mortgage only

$2,766/mo

principal + interest

Beyond mortgage

$2,522/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$145,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$315/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%$7,290/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)$97/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $33,187/yr

Property taxes19% $14,841/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $7,290/yr

Condo fees18% $14,034/yr

Closing costs6% $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)	$33,187	$2,766/mo
Government & taxes
Property tax	$3,786	$315/mo
Land transfer tax(closing)	$11,055	$921/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%)	$7,290	$608/mo
Condo fees
Condo / HOA fees	$14,034	$1,169/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	$80,012	$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