$400K · 0 bed Condo Apartment · Bay Street Corridor, Toronto

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About this home

A rare opportunity to own a piece of Toronto history in the iconic 5-storey Graphic Arts Building - a classical landmark built in 1913 in the heart of the Financial District. This boutique building, home to just 64 suites, boasts soaring ceilings, stunning panoramic windows, and timeless architecture that no new build can replicate. Suite 303 is a bright, spacious studio with soaring ceilings and live/work zoning - perfect for creativeprofessionals or savvy urban dwellers. Surrounded by world-cl…

Property details

MLS#

C13450808

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

0-499

Style

Loft

Type

Condo Apartment

Year built

—

Property features: Arts Centre, Hospital, Library, Park, Public Transit, School

Building name: Graphic Arts Building
Condo corp #: 1509
Balcony: None
Locker: None
Fees include: Heat Included, Water Included, Common Elements Included, Building Insurance Included
Pets: No

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Stone
Fronting on: —
Cross street: Bay St/Richmond St W
Basement: None
Stories: 3
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free
Parking features: None

Level	Room	Dimensions
Flat	Kitchen	—
Flat	Living Room	—
Flat	Bedroom	—

Level

Room

Dimensions

Flat

Kitchen

—

Flat

Living Room

—

Flat

Bedroom

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,999✓ $1,998 tax✓ Gas✓ 0-499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,886/mo

incl. closing costs (yr 1)

Annual total

$46,627

year 1

Mortgage only

$1,517/mo

principal + interest

Beyond mortgage

$1,537/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$80,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$167/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~250 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%$4,000/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)$51/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $18,210/yr

Property taxes14% $6,473/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,000/yr

Condo fees16% $7,284/yr

Closing costs11% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,210	$1,517/mo
Government & taxes
Property tax	$1,998	$167/mo
Land transfer tax(closing)	$4,475	$373/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%)	$4,000	$333/mo
Condo fees
Condo / HOA fees	$7,284	$607/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	$46,627	$3,886/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 303

About this home

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Property details

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Annual costs