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$899,800
55 Stewart Street · Toronto · Ontario M5V 2V1
105 days on market
This exceptional live/work townhome in the heart of the Downtown Core offers a rare opportunity for entertainment and sophistication. Connected to one hotel, it provides exclusive access to all amenities, including a board room, fitness centre, yoga studio, rooftop pool, bar, 24-hour concierge and a great layout on two levels with two entrances. Both street and condo access is available, and the unit has been renovated with new floors and freshly painted interiors. The building also features mee…
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: HOMELIFE/ROMANO REALTY LTD.
Source: TRREB/PROPTX · MLS® C13550790
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~850 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 44% of your true cost of ownership. The other 56% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $40,963 | $3,414/mo |
| Government & taxes | ||
| Property tax | $4,358 | $363/mo |
| Land transfer tax(closing) | $14,471 | $1,206/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%) | $8,998 | $750/mo |
| Condo fees | ||
| Condo / HOA fees | $12,765 | $1,064/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 | $92,215 | $7,685/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.