2310-20 Edward Street, Toronto, ON
Bay Street Corridor, Toronto · MLS® C12993166
About this home
An exceptional offering of sophistication and modern elegance at 20 Edward St. This expansive 3-bedroom, 2 full bathroom residence is perched on a high floor, showcasing coveted southwest exposure that fills the suite with an abundance of natural light while offering breathtaking panoramic skyline views and unforgettable sunsets.Thoughtfully designed with a seamless, open-concept layout, this suite delivers both style and functionality, creating an ideal setting for upscale entertaining and refined everyday living. The contemporary kitchen is beautifully appointed with sleek cabinetry, quality finishes, and ample workspace, flowing effortlessly into the spacious living and dining areas. Each bedroom is generously proportioned, providing comfort, privacy, and versatility for families, professionals, or those seeking a sophisticated urban lifestyle.Every detail of this residence reflects a balance of luxury and practicality, offering a bright, airy ambiance throughout. Perfectly situated in the heart of downtown Toronto, residents enjoy immediate access to world-class restaurants, premier shopping destinations, leading universities, and convenient transit options-all just steps from your door.A rare opportunity to own a sun-drenched, impeccably designed suite in one of the city's most sought-after and vibrant locations.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C12993166
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 900-999
- Cross streets
- Yonge & Dundas
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $790/mo
- Exposure
- South West
- Property tax
- $6,659 / 2025
- Days on market
- 100
- Listing brokerage
- CENTURY 21 ATRIA REALTY INC.
Rooms
double closet · linen closet · sw view
combined w/kitchen · w/o to balcony · south view
closet · glass doors
double closet · window floor to ceiling · west view
Listed at $1,188,000, this home is about 22% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
In Bay Street Corridor lately, sellers have been getting about 96% of asking and homes sell in about 33 days.
Based on 9 similar homes nearby, adjusted for size, beds, and baths.Median of 9 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.29M, higher than the comparables and worth a second look.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $1.07M
- Adjusts to $1.07M
That comparable adjusts to $1.07M; the $972K estimate above is the median of all 9 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
Its public catchment (Jesse Ketchum Junior and Senior Public School) tests around the provincial average, a steady, family-friendly draw. The full EQAO breakdown is below.
Total price vs nearby homes. Fair value about $972K, median of 9 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Open-concept layout: modern, sought-after flow. Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 31% above the area average of $955/sqft.
99 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Bay Street Corridor, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 23, 2026); conventional rates run a little higher.
Mortgage amount $950,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,072
- Property tax
- $555
- Condo / maintenance fees
- $790
- Heating
- $0
- Estimated monthly cost
- $6,417
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $20,235
- Toronto municipal land transfer tax
- $20,235
- Estimated closing costs
- $40,470
Plus your down payment of $237,600. 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
- $304,301
- Principal paid down
- $121,034
- Interest paid
- $183,268
- Balance remaining
- $829,366
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 CENTURY 21 ATRIA REALTY INC.. MLS®/PropTx.