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$1,099,999
DOM18daysOptima Condos · 81 Navy Wharf Court · Toronto · Ontario M5V 3S2
18 days on market
Breathtaking Lake Ontario views, extensive custom upgrades and an unbeatable downtown location set this 2-bedroom + den, 2-bathroom residence apart. Wrapped in floor-to-ceiling windows with southeast exposure, the suite is filled with natural light and thoughtfully finished with custom millwork, wall panelling, crown moulding and built-in storage throughout. The open-concept kitchen features high-end stainless steel appliances, granite countertops, soft-close pantry cabinetry and a generous cent…
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: KELLER WILLIAMS EMPOWERED REALTY
Source: TRREB/PROPTX · MLS® C13860616
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 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 46% of your true cost of ownership. The other 54% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $50,077 | $4,173/mo |
| Government & taxes | ||
| Property tax | $4,351 | $363/mo |
| Land transfer tax(closing) | $18,475 | $1,540/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%) | $11,000 | $917/mo |
| Condo fees | ||
| Condo / HOA fees | $15,217 | $1,268/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 | $109,780 | $9,148/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.