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$650,000
77 Harbour Square · Toronto · Ontario M5J 2S2
107 days on market
Exceptional opportunity to own a beautifully updated waterfront residence with unobstructed lake views in one of Toronto's most established and sought-after communities.This bright & cozy suite features a practical layout with Bedroom + large storage that can be used as a separate den. Natural light fills the unit. Located just steps from Toronto premier attractions including Toronto Islands, Rogers Centre, Scotiabank Arena, Ripley's Aquarium, and Union Station this building offers unmatched acc…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
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: RIGHT AT HOME REALTY
Source: TRREB/PROPTX · MLS® C13539248
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~650 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 42% of your true cost of ownership. The other 58% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $29,591 | $2,466/mo |
| Government & taxes | ||
| Property tax | $3,500 | $292/mo |
| Land transfer tax(closing) | $9,475 | $790/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%) | $6,500 | $542/mo |
| Condo fees | ||
| Condo / HOA fees | $10,236 | $853/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 | $69,962 | $5,830/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.