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$389,500
15 James Finlay Way · Toronto · Ontario M3M 0B3
156 days on market
Welcome to Suite 624 at 15 James Finlay Way, a beautifully maintained and thoughtfully designed condo offering comfort, convenience, and exceptional value in a prime Toronto location. This bright and spacious unit features a functional open-concept layout that maximizes both flow and everyday living, making it ideal for first-time buyers, downsizers, or savvy investors alike. The modern kitchen offers ample cabinetry and counter space, seamlessly overlooking the combined living and dining areas,…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
↓ $56KPrice reduction
MLS shows the seller reduced the asking price by $55,500 (from $445,000 to $389,500).
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: RE/MAX NOBLECORP REAL ESTATE
Source: TRREB/PROPTX · MLS® W13150962
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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 38% of your true cost of ownership. The other 62% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $17,732 | $1,478/mo |
| Government & taxes | ||
| Property tax | $2,436 | $203/mo |
| Land transfer tax(closing) | $4,318 | $360/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%) | $3,895 | $325/mo |
| Condo fees | ||
| Condo / HOA fees | $7,163 | $597/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 | $46,204 | $3,850/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.