$880K · 2 bed Condo Apartment · Waterfront Communities C1, Toronto

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About this home

Welcome to District Lofts, one of Toronto's most sought-after boutique loft residences in the heart of the Fashion District. This expansive 2-storey loft features soaring 10-ft ceilings, floor-to-ceiling windows, owned underground parking, and the convenience of a main floor powder room. Freshly painted throughout and move-in ready, the open-concept layout is filled with natural light from its coveted south exposure, offering unobstructed CN Tower and skyline views. Upstairs, two generously size…

Property details

MLS#

C13450696

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

Loft

Type

Condo Apartment

Year built

—

Property features: Arts Centre, Public Transit

View: City, Downtown, Skyline

Building name: District Lofts
Condo corp #: 1435
Balcony: Terrace
Locker: Owned
Association amenities: BBQs Allowed, Elevator, Game Room, Gym, Party Room/Meeting Room, Rooftop Deck/Garden
Fees include: CAC Included, Water Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete · Controlled Entry
Fronting on: —
Cross street: Richmond and Spadina
Basement: None
Stories: 9
Utilities: —
Laundry: In-Suite Laundry, Laundry Closet
Interior: Auto Garage Door Remote, Storage Area Lockers
Parking features: —

Level	Room	Dimensions
Main	Kitchen	2.921m × 2.1m
Main	Dining Room	2.54m × 3.45m
Main	Living Room	3.78m × 4.29m
Main	Bathroom	0.73m × 1.95m
Second	Primary Bedroom	4.17m × 4.29m
Second	Bedroom	3.12m × 4.29m
Second	Bathroom	2.31m × 2.34m
Second	Laundry	0.74m × 0.76m

Level

Room

Dimensions

Main

Kitchen

2.921m × 2.1m

Main

Dining Room

2.54m × 3.45m

Main

Living Room

3.78m × 4.29m

Main

Bathroom

0.73m × 1.95m

Second

Primary Bedroom

4.17m × 4.29m

Second

Bedroom

3.12m × 4.29m

Second

Bathroom

2.31m × 2.34m

Second

Laundry

0.74m × 0.76m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $879,900✓ $4,555 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,607/mo

incl. closing costs (yr 1)

Annual total

$91,279

year 1

Mortgage only

$3,338/mo

principal + interest

Beyond mortgage

$2,637/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$175,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$380/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%$8,799/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)$91/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$14,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $40,057/yr

Property taxes20% $18,628/yr

Utilities4% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $8,799/yr

Condo fees14% $13,135/yr

Closing costs6% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$40,057	$3,338/mo
Government & taxes
Property tax	$4,555	$380/mo
Land transfer tax(closing)	$14,073	$1,173/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%)	$8,799	$733/mo
Condo fees
Condo / HOA fees	$13,135	$1,095/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	$91,279	$7,607/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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