$420K · 1+1 bed Condo Apartment · Morningside, Toronto

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About this home

**2 Parking Spots+4 Lockers**!!! Excellent Unobstructed South East View From The 17th Floor, Top To Bottom Renovations With Excellent Finishes And Comfort. Big Size Den With Large Window Has Been Renovated Into Second Bedroom. Perfectly Located Within Walking Distance to the University of Toronto Scarborough, Centennial College, Panam Sports Centre, Centenary Hospital. The master bedroom comes equipped with an Ensuite Bath and Walk-in Closet. The ensuite laundry adds convenience, while the metic…

Property details

MLS#

E13238208

Status

Buy Now

Beds

1+1

Baths

2 full, 0 half

Size

900-999

Style

Apartment

Type

Condo Apartment

Year built

—

Property features: Clear View, Park, Public Transit, School

Condo corp #: 831
Balcony: None
Locker: Owned
Association amenities: Concierge, Exercise Room, Gym, Indoor Pool, Party Room/Meeting Room, Sauna
Fees include: CAC Included, Common Elements Included, Condo Taxes Included, Heat Included, Hydro Included, Building Insurance Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Ellesmere/Morningside
Basement: None
Stories: 15
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: Underground

Level	Room	Dimensions
Ground	Living Room	4.88m × 6.93m
Ground	Dining Room	4.88m × 6.93m
Ground	Kitchen	2.2m × 2.85m
Ground	Primary Bedroom	3.15m × 5.08m
Ground	Den	3m × 3.16m

Level

Room

Dimensions

Ground

Living Room

4.88m × 6.93m

Ground

Dining Room

4.88m × 6.93m

Ground

Kitchen

2.2m × 2.85m

Ground

Primary Bedroom

3.15m × 5.08m

Ground

Den

3m × 3.16m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $419,900✓ $1,335 tax✓ Electric✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,212/mo

incl. closing costs (yr 1)

Annual total

$50,539

year 1

Mortgage only

$1,593/mo

principal + interest

Beyond mortgage

$1,754/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$83,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$111/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~950 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$4,199/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)$82/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)38% $19,116/yr

Property taxes12% $6,208/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,199/yr

Condo fees23% $11,857/yr

Closing costs10% $5,100/yr

Mortgage is 38% of your true cost of ownership. The other 62% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,116	$1,593/mo
Government & taxes
Property tax	$1,335	$111/mo
Land transfer tax(closing)	$4,873	$406/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,199	$350/mo
Condo fees
Condo / HOA fees	$11,857	$988/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	$50,539	$4,212/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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