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$495K · 1 bed Condo Apartment · Unit 503, Charlotte Lofts, 36 Charlotte Street, Toronto, Ontario M5V 3P7 | HomeSearchCanada

$495,000

Unit 503

8 DOM

118d

Map

DOM 8

$495,000

DOM8days

Unit 503

Charlotte Lofts · 36 Charlotte Street · Toronto · Ontario M5V 3P7

MLS® C13723014 · Waterfront Communities C1 · M5V 3P7

11Vacant500-599 ft²Condo ApartmentNoneNo basement8d$901/ft²$2,156 tax/yrNo basement

8 days on market

About this home

Welcome to "Charlotte Lofts". A true boutique building in the heart of King W & Spadina Neighborhood that is rarely offered for sale. Unit 503 is a beautiful & bright 1 Bedroom Soft Loft With 10-foot-high Exposed Concrete Ceilings. Completely renovated and meticulously maintained over the years. Featuring custom oversized chef's kitchen with extra counter space, upgraded appliances and large breakfast bar. Unit Features Large Double Patio Doors With Juliette Balcony overlooking historic building…

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Property details

MLS#: C13723014
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 3
Kitchens: 1
Size: 500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 4 pc · Flat
Family room: No
Central vacuum: No
Ensuite laundry: No

Building name: Charlotte Lofts
Condo corp #: 1458
Balcony: Juliette
Locker: Owned
Association amenities: Community BBQ, Elevator, Exercise Room, Party Room/Meeting Room, Rooftop Deck/Garden, Visitor Parking
Fees include: Heat Included, Hydro Included, Water Included, CAC Included, Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Fan Coil
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: King W and Spadina
Stories: 5
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: None

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: HOMELIFE/CIMERMAN REAL ESTATE LIMITED

Source: TRREB/PROPTX · MLS® C13723014

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$495K

Unit 503 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $495,000✓ $2,156 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,461/mo

incl. closing costs (yr 1)

Annual total

$53,532

year 1

Mortgage only

$1,878/mo

principal + interest

Beyond mortgage

$1,593/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$180/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,950/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$48/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $22,535/yr

Property taxes16% $8,531/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,950/yr

Condo fees13% $6,856/yr

Closing costs10% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,535	$1,878/mo
Government & taxes
Property tax	$2,156	$180/mo
Land transfer tax(closing)	$6,375	$531/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%)	$4,950	$413/mo
Condo fees
Condo / HOA fees	$6,856	$571/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	$53,532	$4,461/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.

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Unit 503

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs