Loading neighbourhood intel…
Loading neighbourhood intel…
$599,000
DOM2daysHearthstone by the Bay · 3 Marine Parade Drive · Toronto · Ontario M8V 3Z5
2 days on market
Welcome to one of the largest suites in "Hearthstone by the Bay". Retirement living with a country club atmosphere. Space for all the furniture from your home. Open Concept Principle Rooms perfect for entertaining. Sun filled Breakfast room. Two Spacious bedrooms, primary with tandem sunroom or convenient office, second has a walkout to a balcony. Stroll to Humber Bay Park, Waterfront trails or a variety of services and restaurants. The mandatory club fee of $1990.85 + HST includes a variety of…
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 TERREQUITY REALTY
Source: TRREB/PROPTX · MLS® W14104082
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 38% of your true cost of ownership. The other 62% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $27,269 | $2,272/mo |
| Government & taxes | ||
| Property tax | $4,642 | $387/mo |
| Land transfer tax(closing) | $8,455 | $705/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%) | $5,990 | $499/mo |
| Condo fees | ||
| Condo / HOA fees | $15,351 | $1,279/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 | $72,368 | $6,031/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.