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$550K · 1+1 bed Condo Apartment · Bay Street Corridor, Toronto | MyPropertyScout

$550,000

Unit 203

1+11Vacant

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$550,000

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Unit 203

57 St. Joseph Street · Toronto · Ontario M5S 0C5

MLS® C13450496 · Bay Street Corridor · M5S 0C5

1+11Vacant700-799 ft²Condo ApartmentNone9d$734/ft²$4,170 tax/yrBuilt 20188 yrs old

15% below market · 9 days on market

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

About this home

Discover your ideal home at this beautifully appointed 1-bedroom + Den unit, perfectly situated just steps from the University of Toronto. Enjoy the vibrant atmosphere of the neighborhood, brimming with excellent dining options ranging from cozy cafes to gourmet restaurants. This prime location offers unparalleled convenience with quick access to Bay Station and Wellesley Station, making commuting a breeze. With an impressive walk score, youll find everything you need within easy reach.The build…

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Property details

MLS#: C13450496
Status: Buy Now
Beds: 1+1
Baths: 1 full, 0 half
Size: 700-799
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Public Transit

Condo corp #: 2538
Balcony: Juliette
Locker: None
Association amenities: Concierge, Guest Suites, Media Room, Outdoor Pool, Visitor Parking, BBQs Allowed
Fees include: None
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete · Controlled Entry, Lighting
Fronting on: —
Cross street: Bay St. & Wellesley Ave.
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Other
Parking features: None

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
—	Bedroom	2.77m × 3.25m
—	Den	1.55m × 2.7m
—	Living Room	4.73m × 6.9m
—	Dining Room	4.73m × 6.9m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RIGHT AT HOME REALTY

Source: TRREB/PROPTX · MLS® C13450496

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$550K

Unit 203 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $550,000✓ $4,170 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,056/mo

incl. closing costs (yr 1)

Annual total

$60,667

year 1

Mortgage only

$2,087/mo

principal + interest

Beyond mortgage

$1,888/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$110,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$348/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%$5,500/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $25,038/yr

Property taxes19% $11,645/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,500/yr

Condo fees13% $7,824/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)	$25,038	$2,087/mo
Government & taxes
Property tax	$4,170	$348/mo
Land transfer tax(closing)	$7,475	$623/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%)	$5,500	$458/mo
Condo fees
Condo / HOA fees	$7,824	$652/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	$60,667	$5,056/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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Unit 203

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs