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$499,000
DOM28days33 Bay Street · Toronto · Ontario M5J 2Z3
28 days on market
Elevated downtown living awaits in this thoughtfully designed 1-bedroom suite at 33 Bay Residences, offering approximately 529 sq. ft. of interior living space plus a generous 109 sq. ft. balcony. The bright, open-concept layout features 9-foot ceilings and floor-to-ceiling windows that fill the living and dining areas with natural light while showcasing the vibrant city backdrop. The contemporary kitchen is complete with stainless steel appliances, granite countertops, ample cabinetry, and ensu…
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 PLUS CITY TEAM INC.
Source: TRREB/PROPTX · MLS® C13829660
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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 43% of your true cost of ownership. The other 57% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $22,717 | $1,893/mo |
| Government & taxes | ||
| Property tax | $2,586 | $215/mo |
| Land transfer tax(closing) | $6,455 | $538/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%) | $4,990 | $416/mo |
| Condo fees | ||
| Condo / HOA fees | $5,055 | $421/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 | $52,462 | $4,372/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.