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$1,298,000
DOM12days33 Bay Street · Toronto · Ontario M5J 2Z3
12 days on market
Breathtaking Panoramic Lake & City Views from the 49th Floor! Welcome to Pinacle Centre's premier luxury high-rise living at 33 Bay St, Unit 4903. This magnificent suite features soaring ceilings, modern floor-to-ceiling windows, an open-concept layout bathed in natural light, and top-of-the-line finishes throughout. Unwind on your private balcony while taking in panoramic views of Lake Ontario and the downtown skyline. Step outside to world-class amenities-including 24/7 concierge, 30,000 sq ft…
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 ATRIUM HOME REALTY
Source: TRREB/PROPTX · MLS® C13885512
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,300 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 48% of your true cost of ownership. The other 52% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $59,091 | $4,924/mo |
| Government & taxes | ||
| Property tax | $5,847 | $487/mo |
| Land transfer tax(closing) | $22,435 | $1,870/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%) | $12,980 | $1,082/mo |
| Condo fees | ||
| Condo / HOA fees | $13,350 | $1,113/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 | $124,363 | $10,364/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.