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$419,900
DOM80days20 Richardson Street · Toronto · Ontario M5A 0S6
80 days on market
See Virtual Tour! Great opportunity for first-time buyers and investors! Spacious studio in Toronto's sought-after waterfront community featuring quality finishes, a gourmet kitchen with integrated appliances, and a functional kitchen island. Prime downtown location steps to the lake, Sugar Beach, George Brown College, Loblaws, St. Lawrence Market, Union Station, restaurants, and more. Enjoy beautiful lake and city views from the large private balcony. Exceptional value in a vibrant waterfront n…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: ROYAL LEPAGE SUPREME REALTY
Source: TRREB/PROPTX · MLS® C13635520
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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 42% of your true cost of ownership. The other 58% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $19,116 | $1,593/mo |
| Government & taxes | ||
| Property tax | $2,079 | $173/mo |
| Land transfer tax(closing) | $4,873 | $406/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%) | $4,199 | $350/mo |
| Condo fees | ||
| Condo / HOA fees | $4,896 | $408/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 | $45,823 | $3,819/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.