1010-88 Harbour Street, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13438116
About this home
This is a stunning 2-bedroom plus den, 2-washroom suite located in Harbour Plaza East Tower. It was originally a 3-bedroom layout, the landlord upgraded it with the builder to create a more spacious, open-concept design. This bright, generous suite offers luxury finishes throughout and a smart, functional layout. The primary bedroom includes an ensuite bath and walk-in closet for added privacy. The second bedroom features a large closet and access to a private balcony. The modern kitchen includes luxury built-in appliances and a countertop with breakfast bar. Laminate flooring runs throughout the unit. Located in a prime downtown area with direct access to the PATH and Union Station, and just steps to Harbourfront, St. Lawrence Market, the Financial District, and minutes to restaurants, theatres, Scotiabank Arena, and the Entertainment District. One parking space is included.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13438116
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 2
- Size
- 700-799
- Cross streets
- Harbour/Bay
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $860/mo
- Exposure
- South West
- Property tax
- $4,059 / 2026
- Days on market
- 42
- Listing brokerage
- KW Living Realty
Rooms
laminate · combined w/living · w/o to balcony
laminate · open concept · b/i appliances
laminate · ensuite bath · walk-in closet(s)
laminate · large closet · w/o to balcony
laminate · combined w/dining · w/o to balcony
laminate · open concept
Listed at $899,000, and my independent estimate is about 30% above what comparable homes suggest.
In Waterfront Communities C1 lately, sellers get about 96% of asking; homes sell in ~36 days.
Total price vs nearby homes. Fair value about $694K, median of 39 comparables.
How this estimate is builtthe short version
I take the 39 most comparable recent listings 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 listing.
It’s grounded in comparable active listings. Lot, condition, and finishes are my in-person call, and the city (MPAC) assessment points to about $754K, a close match.
What the listing highlights2 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Primary suite: a key comfort and resale feature. Lifestyle
- Open-concept layout: modern, sought-after flow. Lifestyle
Schools & getting aroundcatchment and transit
The assigned public school is Jean Lumb Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Based on 39 comparable homes nearby.
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 26% above the area average of $953/sqft.
41 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 $719,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,838
- Property tax
- $338
- Condo / maintenance fees
- $860
- Heating
- $0
- Estimated monthly cost
- $5,036
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,455
- Toronto municipal land transfer tax
- $14,455
- Estimated closing costs
- $28,910
Plus your down payment of $179,800. 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
- $230,275
- Principal paid down
- $91,590
- Interest paid
- $138,685
- Balance remaining
- $627,610
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 KW Living Realty. MLS®/PropTx.