$679K · 2 bed Condo Townhouse · L'Amoreaux, Toronto

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About this home

Welcome to Victoria Gardens, a highly sought-after community ideally situated at Victoria Park & Finch in the heart of North York.This newer, beautifully upgraded residence offers an exceptionally rare and versatile layout featuring two spacious living areas, two dining spaces, two bedrooms with walk-in closets, and two separate entrances with private terraces. Each section of the unit has its own private living space and washroom, making it perfect for multi-generational living, work-from-home…

Property details

MLS#

E13208350

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1200-1399

Style

Stacked Townhouse

Type

Condo Townhouse

Year built

—

Condo corp #: 3033
Balcony: Terrace
Locker: Owned
Fees include: Parking Included, Building Insurance 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, Concrete
Fronting on: —
Cross street: Victoria Park/Finch
Basement: None
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: Underground

Level	Room	Dimensions
Main	Living Room	2.87m × 3.91m
Main	Dining Room	2.64m × 3.51m
Main	Kitchen	2.79m × 3.71m
Main	Dining Room	2.54m × 3.51m
Main	Living Room	2.77m × 3.91m
Main	Primary Bedroom	3.07m × 3.81m
Main	Bedroom 2	3.18m × 3.81m

Level

Room

Dimensions

Main

Living Room

2.87m × 3.91m

Main

Dining Room

2.64m × 3.51m

Main

Kitchen

2.79m × 3.71m

Main

Dining Room

2.54m × 3.51m

Main

Living Room

2.77m × 3.91m

Main

Primary Bedroom

3.07m × 3.81m

Main

Bedroom 2

3.18m × 3.81m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $679,000✓ $3,548 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,505/mo

incl. closing costs (yr 1)

Annual total

$66,065

year 1

Mortgage only

$2,576/mo

principal + interest

Beyond mortgage

$1,633/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$135,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$296/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$6,790/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)$28/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $30,911/yr

Property taxes21% $13,603/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $6,790/yr

Condo fees6% $4,101/yr

Closing costs8% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$30,911	$2,576/mo
Government & taxes
Property tax	$3,548	$296/mo
Land transfer tax(closing)	$10,055	$838/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%)	$6,790	$566/mo
Condo fees
Condo / HOA fees	$4,101	$342/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	$66,065	$5,505/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 B108

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Annual costs