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$1,998,000
65 St Mary Street · Toronto · Ontario M5S 0A6
140 days on market
U-Condo, Built Right On The Ground Of The University Of Toronto! S/E Corner On The 44th Floor, For A Total Of 1477 Sqft. The Den Could Be 3rd Bedroom, 10 Ft Ceilings. In A Unique Location. Breathtaking Views Of Downtown Toronto And Lake Ontario. Two Huge 399 Sqft Balconies. Steps From Bloor St Boutiques Stores, Yorkville Restaurants, Close To Subway, Queen's Park, Hospitals And More. 4200 Sqft Top Floor Amenities With 360 Degree City View.
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: KELLER WILLIAMS REFERRED URBAN REALTY
Source: TRREB/PROPTX · MLS® C13247710
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Get My StreetValue™ →Monthly carrying costs, utilities, and closing cost estimates.
20%+ required — no CMHC insurance on $1.5M+ homes
≈ $0.07/ft² × ~1,500 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 50% of your true cost of ownership. The other 50% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $90,958 | $7,580/mo |
| Government & taxes | ||
| Property tax | $9,852 | $821/mo |
| Land transfer tax(closing) | $36,435 | $3,036/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%) | $19,980 | $1,665/mo |
| Condo fees | ||
| Condo / HOA fees | $15,503 | $1,292/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 | $183,388 | $15,282/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.