4106-311 Bay Street, Toronto, ON
Bay Street Corridor, Toronto · MLS® C13163598
About this home
Experience refined luxury living at The St. Regis Residences Toronto, ideally positioned in the heart of downtown within Toronto's prestigious Financial District. This exceptional one-bedroom plus den residence offers over 1,400 square feet of elegantly designed interior space, combining sophistication, comfort, and world-class finishes throughout. Soaring 10-foot ceilings and an expansive open-concept layout create a bright, airy atmosphere that feels both grand and inviting. Rich hardwood flooring, marble accents, and a timeless neutral palette elevate the suite's contemporary design. At the centre of the home is a stunning Downsview-designed chef's kitchen featuring premium Miele appliances, custom cabinetry, and exceptional functionality - ideal for both entertaining and everyday living. The spacious primary retreat offers a true sense of privacy and comfort, complete with a generous walk-in closet and a spa-inspired five-piece ensuite. The versatile den provides the perfect space for a home office, media lounge, or guest accommodation. One locker is included. Valet parking available at an additional monthly cost. An extraordinary opportunity to enjoy five-star living, unmatched service, and one of Toronto's most coveted luxury addresses.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13163598
- Bedrooms
- 2 (1 + 1)
- Bathrooms
- 2
- Size
- 1400-1599
- Cross streets
- Bay St & Adelaide St W
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Other
- Exposure
- West
- Days on market
- 56
- Listing brokerage
- PMT REALTY INC.
Rooms
hardwood floor · 5 pc ensuite · walk-in closet(s)
hardwood floor · coffered ceiling(s) · west view
hardwood floor · pocket doors · closet
marble floor · coffered ceiling(s) · wainscoting
hardwood floor · granite counters · b/i appliances
hardwood floor · coffered ceiling(s) · west view
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 leases and give you a straight answer on what it will really take.
Ask Moe if this price is fairThe assigned public school is Market Lane Junior and Senior Public 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. Bay St at Adelaide St West is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Worth verifying
- 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 homesNot enough sq ft data to place this home on the area price curve.
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.
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: Bay St at Adelaide St West, about 28 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
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 18, 2026); conventional rates run a little higher.
Mortgage amount $6,160 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $33
- Property tax
- $5
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $38
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $39
- Toronto municipal land transfer tax
- $39
- Estimated closing costs
- $77
Plus your down payment of $1,540. 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
- $1,972
- Principal paid down
- $784
- Interest paid
- $1,188
- Balance remaining
- $5,376
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 PMT REALTY INC.. MLS®/PropTx.