3108-99 Harbour Square, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C12371700
About this home
Rarely available southwest corner suite featuring 2 bedrooms, 2 bathrooms, and spectacular lake and city views. Enjoy stunning sunsets and watch the boats drift by from one of two oversized balconiesideal for entertaining or relaxing in a true waterfront setting. Bright and spacious with nearly 2,000 sq. ft. of living space, this residence offers unobstructed views from every window. Includes 2 parking spaces and a locker. Situated in the heart of the vibrant Harbour front community within a world-class building offering exceptional amenities.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C12371700
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 1800-1999
- Cross streets
- Queens Quay W/York St
- Parking
- 2 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $2,040/mo
- Exposure
- South West
- Property tax
- $9,080 / 2024
- Days on market
- 321
- Listing brokerage
- HOMELIFE/BAYVIEW REALTY INC.
Rooms
Overlook Water
overlook water · combined w/living · w/o to balcony
overlook water · combined w/dining · plank
ensuite bath · walk-in closet(s) · w/o to balcony
overlooks family · open concept
overlook water · w/o to balcony · plank
Large Closet
Listing history
- Jul 1, 2026Listed$7,500
Price and status history from the listing board. Deemed reliable but not guaranteed.
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairThe assigned public school is Island Public/Natural Science School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
On location, this is a very walkable address with everyday errands close by. Queens Quay West at Harbourfront Centre is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest active listings nearby.
See all comparable homesOn the market now.
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Waterfront Communities C1, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Very WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Most daily errands can be done on foot.
🚉 Nearest transit: Queens Quay West at Harbourfront Centre, about 175 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Toronto.
Get the full neighbourhood report (schools, parks, transit & safety) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Homes over $1.5M can't be insured, so 20% down or more is required.
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $2,800,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $14,942
- Property tax
- $757
- Condo / maintenance fees
- $2,040
- Heating
- $0
- Estimated monthly cost
- $17,739
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $73,975
- Toronto municipal land transfer tax
- $78,975
- Estimated closing costs
- $152,950
Plus your down payment of $700,000. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $896,510
- Principal paid down
- $356,581
- Interest paid
- $539,930
- Balance remaining
- $2,443,419
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of HOMELIFE/BAYVIEW REALTY INC.. MLS®/PropTx.