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$509,000
21 Earl Street · Toronto · Ontario M4Y 3C8
35 days on market
Sun-drenched, two-storey loft living at its finest! This rare condo features massive warehouse windows, newer wide-plank wood flooring, and a dramatic 16-foot stacked stone feature wall. Enjoy a fully renovated kitchen with Corian counters and stainless appliances, plus a cozy gas fireplace perfect for winter nights. Exceptional layout for entertaining with an 18-foot main balcony and main-floor powder room. The upper-level bedroom and open den lead to a second private balcony and a luxury ensui…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $80KPrice reduction
MLS shows the seller reduced the asking price by $80,000 (from $589,000 to $509,000).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: RE/MAX HALLMARK REALTY LTD.
Source: TRREB/PROPTX · MLS® C13804846
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~750 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) | $23,172 | $1,931/mo |
| Government & taxes | ||
| Property tax | $3,238 | $270/mo |
| Land transfer tax(closing) | $6,655 | $555/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%) | $5,090 | $424/mo |
| Condo fees | ||
| Condo / HOA fees | $10,667 | $889/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 | $59,482 | $4,957/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.