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$1,154,990
634 Church Street · Toronto · Ontario M4Y 0G9
102 days on market
**HST REBATE HAS BEEN APPLIED TO THE UNIT PRICE, THAT THE PURCHASER ASSIGNS THE REBATE TO THE VENDOR. Experience elevated downtown living at The Charles at Church by Aspen Ridge Homes. Welcome to Suite 4503, an exceptional 2-bedroom + den, 2-bathroom residence offering 1,146 sq. ft. of thoughtfully designed interior living space plus an expansive 199 sq. ft. balcony perfect for entertaining or enjoying panoramic city views. The open-concept kitchen is complete with integrated Miele appliances an…
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: ASPEN RIDGE REALTY INC.
Source: TRREB/PROPTX · MLS® C13558118
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo · assumes gas heat
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 50% of your true cost of ownership. The other 50% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $52,580 | $4,382/mo |
| Government & taxes | ||
| Land transfer tax(closing) | $19,575 | $1,631/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Other | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $11,550 | $963/mo |
| Condo fees | ||
| Condo / HOA fees | $10,597 | $883/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 | $104,962 | $8,747/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.