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$528,000
DOM79days70 Temperance Street · Toronto · Ontario M5H 0B1
79 days on market
A practical 1+1 bedroom condo in the heart of the Bay Street Corridor, offered at an exceptional price. This bright south-facing suite features a functional layout with a fully enclosed bedroom, a separate den that's ideal for a large home office, and an open-concept living and dining area with a walkout to the balcony. Located on the 42nd floor, the suite enjoys abundant natural light from Southern exposure and sweeping downtown views with glimpses of the lake. Generous storage includes large c…
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: BSPOKE REALTY INC.
Source: TRREB/PROPTX · MLS® C13639536
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~550 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 43% of your true cost of ownership. The other 57% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $24,037 | $2,003/mo |
| Government & taxes | ||
| Property tax | $3,461 | $288/mo |
| Land transfer tax(closing) | $7,035 | $586/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%) | $5,280 | $440/mo |
| Condo fees | ||
| Condo / HOA fees | $6,000 | $500/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 | $56,473 | $4,706/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.