520-99 Cameron Street, Toronto, ON

Kensington-Chinatown, Toronto · MLS® C13225018

$699,900
For Sale
Listed 140 days agoNo offer date statedSitting longer than typical
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3Bedrooms
2Bathrooms
1Garage
1200-1399Sq ft

About this home

* An Opportunity To Own A Large 3 bedrooms Unit * Suitable To Large Family * All Rooms Very Spacious * Walking Distance To All Amenities * Locate At The Centre Of Chinatown, TTC, Street Car At Front * Only Approx. 6 Stops To University Of Toronto *

Key facts

Property type
Condo Apartment, Apartment
MLS®
C13225018
Bedrooms
3
Bathrooms
2
Size
1200-1399 sq ft
Cross streets
Spadina/Dundas
Parking
1 garage (underground)
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Concrete
Maintenance
$1,156/mo
Exposure
East
Property tax
$3,677 / 2025
Days on market
140
Listing brokerage
TRADEWORLD REALTY INC

Rooms

Primary BedroomFlat4.22 × 3.42 m

laminate · ensuite bath · large closet

KitchenFlat2.23 × 1.96 m

Tile Floor

Dining RoomFlat0.00 × 0.00 m

Combined w/Living

Living RoomFlat7.34 × 6.46 m

combined w/dining · w/o to balcony

BedroomFlat3.85 × 2.96 m

Large Window

BedroomFlat2.52 × 2.27 m

Large Window

Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.

Considering this property? Request a written price read

The assigned public school is City School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.

WhatsApp MoeCall (416) 837-8000

Neighbourhood & location

Kensington-Chinatown, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near Ryerson Community School
52%
Ryerson Community SchoolPublic · Elementary · 0.4 km awayBelow the GTA average · 52% meet the provincial standard
ALPHA Alternative Junior SchoolEQAO results not published
Also nearby: 12 more schools within 2.5 km
Ogden Junior Public School · Public elementary0.2 km · 69% at standard
Heydon Park Secondary School · Public secondary0.5 km · 8% at standard
Oasis Alternative Secondary School · Public secondary0.6 km
Beverley School · Public elementary0.6 km
Subway Academy II · Public secondary0.6 km
Contact Alternative School School · Public secondary0.7 km
Kensington Community School School Junior · Public elementary0.9 km · 97% at standard
Lord Lansdowne Junior Public School · Public elementary1.0 km · 85% at standard
Charles G Fraser Junior Public School · Public elementary1.0 km · 74% at standard
Orde Street Public School · Public elementary1.0 km · 76% at standard
da Vinci School · Public elementary1.0 km · 67% at standard
King Edward Junior and Senior Public School · Public elementary1.1 km · 83% at standard

Not the assigned catchment: schools a family here could reach, with EQAO results where published.

Affordability & Mortgage

Affordability
$3,190/mo
$157KIncome needed
4.5×Price ÷ income
$736Weekly cost
$20,946Land transfer tax, one-time (Ontario + Toronto)
20% down4.79%25-yr amortization

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.

69%mortgage
Mortgage $3,190Property tax $306Condo fee $1,156Total carry $4,652

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 19, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$3,096per month

Mortgage amount $559,920 · 4.49% over 25 years

$139,980Down payment (20.0%)
$559,920Loan before insurance
$0CMHC premium
$4,558Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,096
Property tax
$306
Condo / maintenance fees
$1,156
Heating
$0
Estimated monthly cost
$4,558

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$10,473
Toronto municipal land transfer tax
$10,473
Estimated closing costs
$20,946

Plus your down payment of $139,980. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$3,747/monthPayment at the qualifying rate

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

$368,848Total interest paid
$928,768Total of all payments
Principal $559,920 Interest $368,848
YearPrincipalInterestBalance
1$12,495$24,656$547,425
2$13,062$24,088$534,363
3$13,655$23,495$520,707
4$14,275$22,875$506,432
5$14,924$22,227$491,508
6$15,601$21,550$475,907
7$16,310$20,841$459,597
8$17,050$20,101$442,547
9$17,824$19,327$424,723
10$18,634$18,517$406,090
11$19,480$17,671$386,610
12$20,364$16,787$366,246
13$21,289$15,862$344,957
14$22,255$14,896$322,702
15$23,266$13,885$299,437
16$24,322$12,829$275,114
17$25,426$11,724$249,688
18$26,581$10,570$223,107
19$27,788$9,363$195,320
20$29,049$8,101$166,270
21$30,368$6,782$135,902
22$31,747$5,404$104,155
23$33,189$3,962$70,966
24$34,695$2,455$36,271
25$36,271$880$0

At the end of your 5-year term

Total paid over the term
$185,754
Principal paid down
$68,412
Interest paid
$117,342
Balance remaining
$491,508

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.

Let's connect

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

Rental yield
Estimate$4,100/mo
$49,200Gross annual rent
3.7%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

7.0%
Gross yield
− Property tax $3,677− Condo fees $13,869− Insurance $600− Vacancy & upkeep $5,412Net operating income $25,642

Helpful resources

Toronto community guideSchools, amenities & market dataWhat's your home worth?Free, no-obligation evaluationBrowse more listingsSearch the full GTA marketTalk to our teamBuying, selling or just exploring

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of TRADEWORLD REALTY INC. MLS®/PropTx.

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