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$560K · 1+1 bed Condo Apartment · Unit 407, 1055 Bay Street, Toronto, Ontario M5S 3A3 | HomeSearchCanada

$559,900

Unit 407

27 DOM

1+1127d

Map

DOM 27

$559,900

DOM27days

Unit 407

1055 Bay Street · Toronto · Ontario M5S 3A3

MLS® C13492782 · Bay Street Corridor · M5S 3A3

1+11Vacant700-799 ft²Condo Apartment1-car UndergroundNo basement27d$747/ft²$3,054 tax/yrNo basement

27 days on market

About this home

Live In The Iconic Polo Club 1 By Premium Builder Tridel! This Spacious And Spotless 1-BedroomPlus Den Layout Offers Well Over 700 Sq Ft Of Bright Living Space Along Toronto's Prime BayStreet Corridor. Steps To Queen's Park, U Of T, Yorkville, And Bloor Street Shops. TheVersatile Sun-Drenched Solarium Easily Serves As A 2nd Bedroom Or A Private Home Office. TheUpdated Kitchen Features Elegant Granite Countertops And An Undermount Sink. Enjoy GleamingEngineered Hardwood Floors, And A Renovated Ba…

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Property details

MLS#: C13492782
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1+1
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 700-799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 4 pc · Flat
Family room: No
Central vacuum: No
Ensuite laundry: No

Property features: Hospital, Library, Place Of Worship, Public Transit

Condo corp #: 734
Balcony: None
Locker: Owned
Association amenities: Concierge, Exercise Room, Party Room/Meeting Room, Rooftop Deck/Garden, Squash/Racquet Court, Visitor Parking
Fees include: Heat Included, Hydro Included, Water Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Bay/Bloor
Stories: 4
Utilities: —
Laundry: Ensuite
Interior: None
Parking features: Underground

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: ROYAL LEPAGE TERREQUITY SW REALTY

Source: TRREB/PROPTX · MLS® C13492782

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$560K

Unit 407 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $559,900✓ $3,054 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,136/mo

incl. closing costs (yr 1)

Annual total

$61,636

year 1

Mortgage only

$2,124/mo

principal + interest

Beyond mortgage

$1,915/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$111,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$254/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$5,599/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$64/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $25,489/yr

Property taxes17% $10,727/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,599/yr

Condo fees15% $9,161/yr

Closing costs8% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$25,489	$2,124/mo
Government & taxes
Property tax	$3,054	$254/mo
Land transfer tax(closing)	$7,673	$639/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%)	$5,599	$467/mo
Condo fees
Condo / HOA fees	$9,161	$763/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	$61,636	$5,136/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.

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Unit 407

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs