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$799,000
The Charles At Church · 634 Church Street · Toronto · Ontario M4Y 0G9
133 days on market
Rarely available for sale at the sought after 'The Charles at Church', a striking new architectural landmark in the heart of downtown Toronto. This brand-new, never-lived-in suite offers 713 sq. ft. of thoughtfully designed living space, featuring 2 bedrooms, 2 bathrooms, 1 underground parking and one exclusive locker, an open-concept layout, and premium contemporary finishes throughout. Set on the 25th floor, this bright and airy suite is enhanced by floor-to-ceiling windows, abundant natural…
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 $39,888 (from $838,888 to $799,000).
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: RE/MAX PREMIER INC.
Source: TRREB/PROPTX · MLS® C13438876
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~750 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 45% of your true cost of ownership. The other 55% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $36,374 | $3,031/mo |
| Government & taxes | ||
| Property tax | $5,892 | $491/mo |
| Land transfer tax(closing) | $12,455 | $1,038/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%) | $7,990 | $666/mo |
| Condo fees | ||
| Condo / HOA fees | $7,008 | $584/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 | $80,379 | $6,698/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.