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$812,000
DOM10days3 Marine Parade Drive · Toronto · Ontario M8V 3Z5
10 days on market
Welcome to Hearthstone by the Bay, where retirement living meets an extraordinary waterfront setting. This rarely available south-east corner suite offers spectacular views of Lake Ontario, the Humber River and Toronto's iconic skyline, including the CN Tower and Ontario Place. Imagine settling into the sunroom with your morning coffee and watching the day unfold-the sparkling waters of Lake Ontario, boats and wildlife going by, and the ever-changing skyline stretching beyond. Humber Bay Park &…
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: Royal Lepage Real Estate Associates, Larose Team
Source: TRREB/PROPTX · MLS® W14027528
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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 42% of your true cost of ownership. The other 58% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $36,966 | $3,080/mo |
| Government & taxes | ||
| Property tax | $4,335 | $361/mo |
| Land transfer tax(closing) | $12,715 | $1,060/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%) | $8,120 | $677/mo |
| Condo fees | ||
| Condo / HOA fees | $14,280 | $1,190/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 | $87,076 | $7,256/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.