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$958,000
Spring at MintoGardens · 23 Sheppard Avenue · Toronto · Ontario M2N 0C8
142 days on market
Welcome to luxurious Minto Gardens at a prime location Yonge & Sheppard! 2 + 1 bedroom (1123sqft) overlooking a Muskoka setting with 2 balconies. Unobstructed view! Open concept floor to ceiling windows, laminate floors throughout, kitchen has large centre island with seating, storage and wine rack. Granite counter tops, backsplash and stainless steel appliances, pot & pan drawers, 1-1/2 kitchen sinks, microwave shelf, crown mouldings throughout. Primary bedroom has walk out to balcony and large…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
↓ $31KPrice reduction
MLS shows the seller reduced the asking price by $30,800 (from $988,800 to $958,000).
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: INTERCITY REALTY INC.
Source: TRREB/PROPTX · MLS® C13234776
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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 44% of your true cost of ownership. The other 56% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $43,612 | $3,634/mo |
| Government & taxes | ||
| Property tax | $4,788 | $399/mo |
| Land transfer tax(closing) | $15,635 | $1,303/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%) | $9,580 | $798/mo |
| Condo fees | ||
| Condo / HOA fees | $14,779 | $1,232/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 | $99,055 | $8,255/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.