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$539,000
DOM31daysIvory · 400 Adelaide Street · Toronto · Ontario M5A 4S3
31 days on market
Amazing 1+1 Den With 2 Baths In The Heart Of Downtown Toronto! West Exposure Gives Lots Of Afternoon Sun. Featuring 650Sqft Of Living Space, Ensuite Laundry, And High End Appliances. Large Bedroom And Den, Open Floor Plan. Prime Location, Accessible Through Both King And Queen Streetcar Lines, Walking Distance To Toronto's Waterfront Trail, Shopping At The Eaton Centre. Steps From The Distillery District.
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: BAYTREE REAL ESTATE INC.
Source: TRREB/PROPTX · MLS® C13814906
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~650 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 44% of your true cost of ownership. The other 56% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $24,538 | $2,045/mo |
| Government & taxes | ||
| Property tax | $2,556 | $213/mo |
| Land transfer tax(closing) | $7,255 | $605/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%) | $5,390 | $449/mo |
| Condo fees | ||
| Condo / HOA fees | $5,705 | $475/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 | $56,104 | $4,675/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.