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$399,900
89 CHURCH Street · Toronto · Ontario M5C 0B7
Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍
Less than 1-year-new high-floor studio at The Saint Condo, located at Church & Adelaide in the heart of downtown Toronto.Features 9' smooth ceilings, floor-to-ceiling windows with stunning city views, a modern kitchen, and a walk-in/pantry closet. Sleek,contemporary design with premium finishes throughout. Move-in ready.Exceptional location steps to Queen & King subway stations, TTCstreetcars, and Union Station. Walking distance to the Financial District, shopping, dining, and entertainment. Min…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $98KPrice reduction
MLS shows the seller reduced the asking price by $98,100 (from $498,000 to $399,900).
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 NEW WORLD REALTY INC.
Source: TRREB/PROPTX · MLS® C13429770
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~250 ft² · ON avg ~$75/mo · assumes gas heat
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 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $18,205 | $1,517/mo |
| Government & taxes | ||
| Property tax | $2,601 | $217/mo |
| Land transfer tax(closing) | $4,474 | $373/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Other | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $3,999 | $333/mo |
| Condo fees | ||
| Condo / HOA fees | $4,808 | $401/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 | $44,748 | $3,729/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.