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$958,000
Optima · 81 Navy Wharf Court · Toronto · Ontario M5V 3S2
138 days on market
Corner Unit With Lake And Beautiful Vie. Very Spacious Unit Of 1010 Sf, Quiet, Southview Of Water With Plenty Of Sunshine All Year Around. Renovated & Updated, Recently Painted. Original Owner, Never Rented, Only Two People Living Here Since Day One. Contemporary Kitchen, Flooring, Master Bedroom Organized Cabinets & Closets. Two Split Bedroom, Floor To Ceiling Windows Wrapped Around The Unit. Amenities With indoor Pool, Jacuzzi, Saunas. Gym, Guest Suites, 24 Hr Security Concierge, Theatr…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
↓ $40KPrice reduction
MLS shows the seller reduced the asking price by $40,000 (from $998,000 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: HOMELIFE GOLD PACIFIC REALTY INC.
Source: TRREB/PROPTX · MLS® C13411958
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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 46% of your true cost of ownership. The other 54% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $43,612 | $3,634/mo |
| Government & taxes | ||
| Property tax | $3,770 | $314/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 | $12,516 | $1,043/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 | $95,774 | $7,981/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.