Loading neighbourhood intel…
Loading neighbourhood intel…
$899,900
St. Gabriel Terraces · 650 Sheppard Avenue · Toronto · Ontario M2K 3E4
4 days on market
Prestigious 3-storey penthouse-style residence at St. Gabriel Terraces, built by renowned builder Shane Baghai. PH13 offers a distinctive townhome-style layout with the privacy of atop-floor condominium. This exceptional 3-bedroom, 2-bathroom multi-level suite features recently installed hardwood flooring on the main level, a dramatic double-height living room and abundant natural light. The built-in dishwasher, washer and dryer were updated in 2024.The versatile upper-level loft-style bedroom a…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $250KPrice reduction
MLS shows the seller reduced the asking price by $250,100 (from $1,150,000 to $899,900).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: KW Living Realty
Source: TRREB/PROPTX · MLS® C14094802
Do you own a home in Toronto?
Find out what it's worth — and what you'd walk away with after mortgage, commission and fees.
Get My StreetValue™ →Monthly carrying costs, utilities, and closing cost estimates.
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 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $40,967 | $3,414/mo |
| Government & taxes | ||
| Property tax | $4,619 | $385/mo |
| Land transfer tax(closing) | $14,473 | $1,206/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%) | $8,999 | $750/mo |
| Condo fees | ||
| Condo / HOA fees | $21,210 | $1,768/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 | $100,929 | $8,411/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.