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$395,000
21 Earl Street · Toronto · Ontario M4Y 3C8
107 days on market
Tucked away on a quiet, tree-lined street in the heart of the city, this freshly renovated ground-level studio is completely move-in ready, offering the perfect blend of charm, function, and downtown convenience. The suite features new flooring, fresh paint, and a thoughtfully designed open layout. You'll love the walk-out to a private patio, ample storage, a walk-in closet, and an en-suite laundry, combining style and practicality in one inviting space. Whether you're a first-time buyer, invest…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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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: BOSLEY REAL ESTATE LTD.
Source: TRREB/PROPTX · MLS® C13539470
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~250 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 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $17,982 | $1,499/mo |
| Government & taxes | ||
| Property tax | $1,863 | $155/mo |
| Land transfer tax(closing) | $4,400 | $367/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%) | $3,950 | $329/mo |
| Condo fees | ||
| Condo / HOA fees | $4,681 | $390/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 | $43,536 | $3,628/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.