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$835,000
57 St Joseph Street · Toronto · Ontario M5S 0C5
90 days on market
Rarely available, beautifully renovated two-storey condominium at 1Thousand Bay, 57 St. Joseph Street, where Yorkville, Queen's Park, the University of Toronto and Bay Street converge. Offering 802 sq. ft. (MPAC) of thoughtfully designed living space, this distinctive 1+1 bedroom residence features two bathrooms, including a 5-piece ensuite and powder room, two private balconies, owned parking and an owned locker. ********Extensive upgrades include a custom kitchen, prem…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $64KPrice reduction
MLS shows the seller reduced the asking price by $64,000 (from $899,000 to $835,000).
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: RE/MAX HALLMARK REALTY LTD.
Source: TRREB/PROPTX · MLS® C13606324
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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 45% of your true cost of ownership. The other 55% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $38,013 | $3,168/mo |
| Government & taxes | ||
| Property tax | $5,769 | $481/mo |
| Land transfer tax(closing) | $13,175 | $1,098/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%) | $8,350 | $696/mo |
| Condo fees | ||
| Condo / HOA fees | $9,393 | $783/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 | $85,360 | $7,113/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.