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$520,000
20 Edward Street · Toronto · Ontario M5G 0C5
53 days on market
Bright & Modern One-Bedroom Suite at Panda Condo! Excellent and highly functional layout with modern finishes throughout. East-facing unit featuring a private balcony and beautiful city views. Open-concept living and dining area with 9-ft ceilings and floor-to-ceiling windows offering abundant natural light. Modern open kitchen with built-in appliances. Ideally located at Yonge & Dundas in the heart of downtown Toronto. Exceptional building amenities include 24-hour concierge, Outdoor basketball…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $40KPrice reduction
MLS shows the seller reduced the asking price by $40,000 (from $560,000 to $520,000).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: BAY STREET GROUP INC.
Source: TRREB/PROPTX · MLS® C13727638
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~250 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 45% of your true cost of ownership. The other 55% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $23,673 | $1,973/mo |
| Government & taxes | ||
| Property tax | $3,023 | $252/mo |
| Land transfer tax(closing) | $6,875 | $573/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%) | $5,200 | $433/mo |
| Condo fees | ||
| Condo / HOA fees | $3,441 | $287/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 | $52,872 | $4,406/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.