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$619,900
78 St Patrick Street · Toronto · Ontario M5T 3K8
43 days on market
UNIQUE ONE-OF-A-KIND GRANGETOWN LOFT! Rare opportunity to own a highly coveted, rarely available Live/Work space in the heart of downtown Toronto. This bright and airy unit offers a massive, open-concept floor plan highlighted by soaring 16-foot ceilings and oversized windows drenching the space in beautiful natural light. Unbeatable privacy with only six feet of shared walls with neighbours. Enjoy the ultimate convenience of gated security, a pet-friendly building, a sparkling outdoor pool, and…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $20KPrice reduction
MLS shows the seller reduced the asking price by $20,000 (from $639,900 to $619,900).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: CENTURY 21 ATRIA REALTY INC.
Source: TRREB/PROPTX · MLS® C13764146
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~950 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 39% of your true cost of ownership. The other 61% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $28,221 | $2,352/mo |
| Government & taxes | ||
| Property tax | $2,994 | $249/mo |
| Land transfer tax(closing) | $8,873 | $739/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%) | $6,199 | $517/mo |
| Condo fees | ||
| Condo / HOA fees | $14,970 | $1,247/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 | $71,916 | $5,993/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.