1084 Bay Street, Toronto, ON
Bay Street Corridor, Toronto · MLS® C13455544
About this home
Sophisticated urban living in the heart of Bay & Bloor. This architecturally striking limestone townhouse offers approximately 2,686 sq. ft. of meticulously maintained living space plus a 432 sq. ft. private rooftop terrace. Connected by a private elevator, the residence blends the scale and flexibility of a home with the convenience of condominium living.Thoughtfully designed with multiple living areas, soaring ceilings, floor-to-ceiling glazing, and desirable east and west exposures, the home is filled with natural light throughout the day. The quality of construction and level of care are immediately apparent, with timeless finishes and an exceptional sense of permanence rarely found in urban townhouse living.The chef's kitchen is appointed with premium Wolf and Sub-Zero appliances and custom cabinetry, while flexible living spaces accommodate a variety of lifestyles, including home office, guest suite, fitness, or family living. Additional features include two integrated garages with direct access, a home gym, generous storage, and seamless connectivity between levels via private elevator.The rooftop terrace provides a rare outdoor retreat above the city, offering an ideal setting for entertaining, dining, or quiet relaxation.Perfectly positioned just steps from Yorkville, the University of Toronto, Philosopher's Walk, world-class dining, luxury shopping, and both the Yonge and Bloor subway lines, this is a rare opportunity to own an exceptionally well-built and beautifully maintained residence in one of Toronto's most connected and prestigious neighbourhoods.
Key facts
- Property type
- Condo Townhouse, 3-Storey
- MLS®
- C13455544
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 3 (1 half)
- Size
- 2500-2749
- Cross streets
- Bay & Bloor
- Parking
- 2 garage (underground)
- Basement
- Other, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $1,305/mo
- Exposure
- East West
- Property tax
- $18,784 / 2025
- Days on market
- 31
- Listing brokerage
- EXP REALTY
Rooms
hardwood floor · window
b/i appliances · eat-in kitchen · combined w/dining
hardwood floor · walk-in closet(s) · ensuite bath
combined w/kitchen · window · tile floor
closet · window · 3 pc ensuite
hardwood floor · window · pot lights
5 Pc Bath
3 Pc Bath
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 sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairIts 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.
On location, this is a more car-dependent spot, so buyers here typically drive. Transit is limited nearby. Worth weighing if transit access matters to you.
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.
- Elevator: rare and valuable for accessibility and resale.
- 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 3 closest active listings nearby.
See all comparable homes27 days longer than the Toronto average (4 days).
View comparable listingsPrice per square foot vs the area average.
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
Car-DependentA 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.
Almost all errands require a car.
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
Homes over $1.5M can't be insured, so 20% down or more is required.
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 $2,316,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $12,359
- Property tax
- $1,565
- Condo / maintenance fees
- $1,305
- Heating
- $0
- Estimated monthly cost
- $15,229
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $58,850
- Toronto municipal land transfer tax
- $58,850
- Estimated closing costs
- $117,700
Plus your down payment of $579,000. 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
- $741,542
- Principal paid down
- $294,943
- Interest paid
- $446,599
- Balance remaining
- $2,021,057
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 EXP REALTY. MLS®/PropTx.