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$1,324,990
The Charles at Church · 634 Church Street · Toronto · Ontario M5V 0S5
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. This spectacular southwest corner 2-bedroom plus enclosed den, 2-bath residence offers 1,244 sq. ft. of thoughtfully designed interior living space plus an impressive 221 sq. ft. of private balconies. Floor-to-ceiling windows flood the open-concept living, dining and chef-inspired Miele kitchen with natural light…
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® C13558918
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,300 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 51% of your true cost of ownership. The other 49% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $60,319 | $5,027/mo |
| Government & taxes | ||
| Land transfer tax(closing) | $22,975 | $1,915/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%) | $13,250 | $1,104/mo |
| Condo fees | ||
| Condo / HOA fees | $11,398 | $950/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 | $118,603 | $9,884/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.