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$549,000
39 Annie Craig Drive · Toronto · Ontario M8V 0A4
51 days on market
Welcome to 1502 at 39 Annie Craig Drive, an exceptionally well-maintained one-bedroom plus den with an oversized balcony, south-west exposure and views of Lake Ontario. Lovingly owned and meticulously cared for by the original owner, this home offers a thoughtful layout, abundant natural light and plenty of outdoor space to enjoy the waterfront setting.The oversized balcony is a true standout, with two separate walkouts, one from the living room and another from the spacious bedroom. The south-w…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
↓ $10KPrice reduction
MLS shows the seller reduced the asking price by $10,000 (from $559,000 to $549,000).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: SHORELINE REALTY CORP.
Source: TRREB/PROPTX · MLS® W13737500
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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 44% of your true cost of ownership. The other 56% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $24,993 | $2,083/mo |
| Government & taxes | ||
| Property tax | $2,594 | $216/mo |
| Land transfer tax(closing) | $7,455 | $621/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%) | $5,490 | $458/mo |
| Condo fees | ||
| Condo / HOA fees | $6,046 | $504/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 | $57,238 | $4,770/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.