2432-33 Harbour Square, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13416816
About this home
Welcome to luxurious 2432-33 Harbour Square, a breathtaking two-level; residence perched high above Lake Ontario, offering unparallel views of both the glistening waters and the serene beauty of Centre Island. All windows face the lake. This exclusive high-rise condo unit redefines urban living with its exquisite design & renovations, top-notch amenities & unmatched location in the Heart of the city. The main level boasts an open-concept living, dining, centre island kitchen, powder room plus den with its two-floors of windows. A classic staircase leads you to the private quarters on the upper level. The primary bedroom is a serene sanctuary with its large windows overlooking the lake, walk-in closet and ensuite bathroom. Your own private oasis of tranquility. The second bedroom offers ample space, large floor to ceiling windows framing the picturesque lake views plus study/office space overlooking den, Ensuite Laundry. Iconic 33 Harbour Square with South-East forever views. Fun Sized Gym, Squash courts, Games/Billiards rooms, Library, Children's Playroom, Car Wash Bay w/Vacuum & Air & Workshop. Steps to PATH, TTC, GO, Financial & Entertainment District, St. Lawrence Market, Scotiabank Arena, Rogers Centre, Ferry Terminal, Parking & Locker
Key facts
- Property type
- Condo Apartment, 2-Storey
- MLS®
- C13416816
- Bedrooms
- 2
- Bathrooms
- 3 (1 half)
- Size
- 1400-1599
- Cross streets
- Bay St & Queens Quay W
- Parking
- 1 garage (other)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $1,545/mo
- Exposure
- South East
- Property tax
- $5,625 / 2025
- Days on market
- 46
- Listing brokerage
- ROYAL LEPAGE TERREQUITY REALTY
Rooms
hardwood floor · pot lights
hardwood floor · b/i shelves
hardwood floor · juliette balcony · vaulted ceiling(s)
hardwood floor · double closet
hardwood floor · walk-in closet(s) · 3 pc ensuite
hardwood floor · centre island · overlook water
hardwood floor · combined w/br
Listed at $1,399,000, and my independent estimate is about 35% above what comparable homes suggest.
In Waterfront Communities C1 lately, sellers get about 96% of asking; homes sell in ~35 days.
Total price vs nearby homes. Fair value about $1.04M, median of 14 comparables.
How this estimate is builtthe short version
I take the 14 most comparable recent sales nearby and adjust each one to this home for the real differences (size, beds, baths, garage, and standout features), then use the median, which is steadier than leaning on any single sale.
It’s grounded in recent closing prices, not asking prices. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $1.14M, a close match.
What the listing highlights4 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Open-concept layout: modern, sought-after flow. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
- Sold as-is / needs work: budget for renovation, the price should reflect the condition. Weigh carefully
Schools & getting aroundcatchment and transit
The 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.
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($933/sqft) is below the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in Waterfront Communities C1, so I widened the search to the surrounding area.
Based on 14 comparable homes that recently sold nearby.
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 14% below the area average of $1,091/sqft.
45 days longer than the Toronto average (1 days).
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.
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 24, 2026); conventional rates run a little higher.
Mortgage amount $1,119,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,972
- Property tax
- $469
- Condo / maintenance fees
- $1,545
- Heating
- $0
- Estimated monthly cost
- $7,986
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $24,455
- Toronto municipal land transfer tax
- $24,455
- Estimated closing costs
- $48,910
Plus your down payment of $279,800. 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
- $358,348
- Principal paid down
- $142,530
- Interest paid
- $215,818
- Balance remaining
- $976,670
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 ROYAL LEPAGE TERREQUITY REALTY. MLS®/PropTx.