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$489,000
DOM38days650 Sheppard Avenue · Toronto · Ontario M2K 3E4
38 days on market
AFFORDABLE LUXURY IN THE HEART OF BAYVIEW VILLAGE! Welcome to St. Gabriel Terraces, a prestigious residence by renowned award-winning builder Shane Baghai. This rarely offered approx. 575 sq ft 1-bedroom suite delivers exceptional value for first-time buyers, downsizers and investors. Currently the lowest-priced 1-bedroom listed in the building! ***Bright, east-facing and exceptionally well maintained, this move-in-ready suite features a smart, functional layout with no wasted space, brand-new f…
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: RE/MAX REALTRON REALTY INC.
Source: TRREB/PROPTX · MLS® C13788692
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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 39% of your true cost of ownership. The other 61% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $22,261 | $1,855/mo |
| Government & taxes | ||
| Property tax | $2,340 | $195/mo |
| Land transfer tax(closing) | $6,255 | $521/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%) | $4,890 | $408/mo |
| Condo fees | ||
| Condo / HOA fees | $9,951 | $829/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 | $56,358 | $4,696/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.