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$998,000
22 LOMBARD Street · Toronto · Ontario M5C 1M1
219 days on market
Newer Condo with a great location in the heart of Toronto. 5 min walk to Eaton Centre, St Lawrence Market, Yonge Subway Line. 2 min walk to underground PATH system and Central Business District. Incredible amenities on the 5th and 46th floor of 20 Lombard St. One locker room and one parking Owed.
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $382KPrice reduction
MLS shows the seller reduced the asking price by $382,000 (from $1,380,000 to $998,000).
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: CENTURY 21 LANDUNION REALTY INC.
Source: TRREB/PROPTX · MLS® C12896072
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
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 43% of your true cost of ownership. The other 57% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $45,433 | $3,786/mo |
| Government & taxes | ||
| Property tax | $5,889 | $491/mo |
| Land transfer tax(closing) | $16,435 | $1,370/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%) | $9,980 | $832/mo |
| Condo fees | ||
| Condo / HOA fees | $16,118 | $1,343/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 | $104,515 | $8,710/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.