5109-45 charles Street, Toronto, ON
Church-Yonge Corridor, Toronto · MLS® C13044480
About this home
Located in the heart of downtown Toronto, this high-floor unit on the 51st level offers unobstructed views and abundant natural light, with a modern and functional layout.The unit comes fully furnished with high-quality furniture, making it truly move-in ready.It also features a premium Kingsdown Dutton Tight Top Firm Mattress, delivering excellent support and a superior sleep experience-ideal for tenants or buyers who value comfort and quality living.Steps to subway stations, restaurants, shopping, and daily amenities
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13044480
- Bedrooms
- 2 (1 + 1)
- Bathrooms
- 2
- Size
- 700-799
- Cross streets
- Yonge/Bloor
- Parking
- 0 parking
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Exposure
- North East
- Days on market
- 88
- Listing brokerage
- EXP REALTY
Rooms
Closet
Granite Counters
Open Concept
Hardwood Floor
2 Pc Ensuite
Listed at $2,950/mo, this rental is right in line with comparable rentals. The number above is my independent estimate of value, not the asking price.
In Church-Yonge Corridor lately, landlords have been getting about 99% of asking and homes lease in about 14 days.
Based on 84 similar rentals that recently leased nearby, adjusted for size, beds, and baths.Median of 84 recently leased comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths.
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, leased for $2,950/mo
- Bedrooms −$150/mo
- Adjusts to $2,800/mo
That comparable adjusts to $2,800/mo; the $3,043/mo estimate above is the median of all 84 comparables, which is steadier than any single home.This estimate is grounded in actual lease prices from the last 15 months, not asking prices. Condition, finishes, and exact inclusions are still my in-person call.
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 $3,043/mo, median of 84 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.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
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 homesOn the market now.
View comparable listingsNot enough sq ft data to place this home on the area price curve.
Neighbourhood & location
Church-Yonge 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 $2,360 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $13
- Property tax
- $2
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $14
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15
- Toronto municipal land transfer tax
- $15
- Estimated closing costs
- $30
Plus your down payment of $590. 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
- $756
- Principal paid down
- $301
- Interest paid
- $455
- Balance remaining
- $2,059
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.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of EXP REALTY. MLS®/PropTx.