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$3,500,000
99 Harbour Square · Toronto · Ontario M5J 2H2
419 days on market
Rarely available southwest corner suite featuring 2 bedrooms, 2 bathrooms, and spectacular lake and city views. Enjoy stunning sunsets and watch the boats drift by from one of two oversized balconiesideal for entertaining or relaxing in a true waterfront setting. Bright and spacious with nearly 2,000 sq. ft. of living space, this residence offers unobstructed views from every window. Includes 2 parking spaces and a locker. Situated in the heart of the vibrant Harbour front community within a wor…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: HOMELIFE/BAYVIEW REALTY INC.
Source: TRREB/PROPTX · MLS® C12371700
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20%+ required — no CMHC insurance on $1.5M+ homes
≈ $0.13/ft² × ~1,900 ft² · incl. electric heat
Electric heat — no gas service · see hydro
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $159,335 | $13,278/mo |
| Government & taxes | ||
| Property tax | $9,080 | $757/mo |
| Land transfer tax(closing) | $73,975 | $6,165/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%) | $35,000 | $2,917/mo |
| Condo fees | ||
| Condo / HOA fees | $24,480 | $2,040/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 | $311,030 | $25,919/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.