$429K · 1 bed Condo Apartment · The Beaches, Toronto

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About this home

Own in the Beaches, in one of its best boutique buildings. The boardwalk, the shops and restaurants on Queen are a short walk from your door, with transit a minute away. Inside, a Scavolini kitchen with gas cooktop anchors a suite that has been refreshed with new wide-plank white oak floors and brand new ensuite Samsung laundry. Beach Club Lofts is a quiet building known for efficient floor plans, concrete-and-glass character, and a level of management and community that stands out. Live in the…

Property details

MLS#

E13448360

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

0-499

Style

Apartment

Type

Condo Apartment

Year built

—

Condo corp #: 2522
Balcony: Juliette
Locker: Owned
Association amenities: Bike Storage, Elevator, Party Room/Meeting Room
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Fan Coil
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Metal/Steel Siding
Fronting on: —
Cross street: Woodbine & Kingston
Basement: None
Stories: 4
Utilities: —
Laundry: Ensuite
Interior: Carpet Free, Primary Bedroom - Main Floor, Storage Area Lockers
Parking features: None

Level	Room	Dimensions
Main	Living Room	2.41m × 4.04m
Main	Bedroom	2.84m × 3.05m
Main	Kitchen	1.98m × 4.04m

Level

Room

Dimensions

Main

Living Room

2.41m × 4.04m

Main

Bedroom

2.84m × 3.05m

Main

Kitchen

1.98m × 4.04m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $429,000✓ $2,010 tax✓ Electric✓ 0-499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,759/mo

incl. closing costs (yr 1)

Annual total

$45,103

year 1

Mortgage only

$1,627/mo

principal + interest

Beyond mortgage

$1,252/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$85,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$168/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~250 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%$4,290/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)$35/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $19,530/yr

Property taxes16% $7,065/yr

Utilities5% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,290/yr

Condo fees11% $5,058/yr

Closing costs11% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,530	$1,627/mo
Government & taxes
Property tax	$2,010	$168/mo
Land transfer tax(closing)	$5,055	$421/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%)	$4,290	$358/mo
Condo fees
Condo / HOA fees	$5,058	$421/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	$45,103	$3,759/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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Annual costs