$589K · 1+1 bed Condo Apartment · Unit 506, 44 St Joseph Street, Toronto, Ontario M4Y 2W4

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About this home

Bright & Beautiful With Solid Renovation 1 Bdrm + Den (As Second Bedroom) Polo 2, At Just Under 800 Sq Ft. Top 10 Condos in GTA with Best Reserve Funds ! This Spacious Unit Has An Efficient Layout Comprising A Bright Living & Dining Rm, Kitchen W/ Window, Large Master Bdrm W/ Double Closets, Separate Den That Has Own Window & Closet. Located Within Easy Reach Of Subway, University Of Toronto, Eaton Centre & Shopping On Bloor St.

Property details

MLS#

C13133788

Status

Buy Now

Property class

Residential Condo & Other

Beds

1+1

Baths

1 full, 0 half

Rooms

Kitchens

Size

700-799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Apartment

Type

Condo Apartment

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 4 pc · Flat
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Property features: Clear View, Public Transit, School

Condo corp #: 794
Balcony: None
Locker: Exclusive
Association amenities: Concierge, Exercise Room, Game Room, Gym, Outdoor Pool
Fees include: Cable TV Included, CAC Included, Common Elements Included, Heat Included, Hydro Included, Building Insurance Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Bay/Wellesley/Bloor
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free
Parking features: None

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $619,000 to $589,000).

Motivated SellerWhy this label

114 days on market — Listing has been active for 114 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $589,000✓ $3,114 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,399/mo

incl. closing costs (yr 1)

Annual total

$64,789

year 1

Mortgage only

$2,234/mo

principal + interest

Beyond mortgage

$2,018/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$117,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$260/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 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%$5,890/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)$70/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $26,814/yr

Property taxes18% $11,369/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $5,890/yr

Condo fees16% $10,056/yr

Closing costs8% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,814	$2,234/mo
Government & taxes
Property tax	$3,114	$260/mo
Land transfer tax(closing)	$8,255	$688/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%)	$5,890	$491/mo
Condo fees
Condo / HOA fees	$10,056	$838/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	$64,789	$5,399/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 506

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs