504-77 Harbour Square, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13539248
About this home
Exceptional opportunity to own a beautifully updated waterfront residence with unobstructed lake views in one of Toronto's most established and sought-after communities.This bright & cozy suite features a practical layout with Bedroom + large storage that can be used as a separate den. Natural light fills the unit. Located just steps from Toronto premier attractions including Toronto Islands, Rogers Centre, Scotiabank Arena, Ripley's Aquarium, and Union Station this building offers unmatched access to both lifestyle and convenience. Walking distance to financial district . Residents enjoy access to an impressive array of amenities: an oversized fitness centre, squash court, indoor pool, rooftop patio with BBQ, in-building restaurant, 24-hour concierge, fast elevators, visitor parking, and a complimentary shuttle service to key downtown destinations. Parking and locker are conveniently located on the same floor. Maintenance fees include heat, hydro, water and cable TV representing incredible value in a prime waterfront location. For those seeking comfort, convenience, and an unbeatable urban lifestyle, this property is not to be missed.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13539248
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 600-699
- Cross streets
- Bay/York/Queens Quay
- Parking
- 1 garage (other)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $853/mo
- Exposure
- East
- Property tax
- $3,500 / 2025
- Days on market
- 14
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
laminate · window · east view
tile floor · granite counters · stainless steel appl
laminate · separate room
laminate · combined w/dining · mirrored closet
laminate · combined w/living · open concept
Listed at $650,000, this home is about 23% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
In Waterfront Communities C1 lately, sellers have been getting about 97% of asking and homes sell in about 33 days.
Based on 69 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 69 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $635K, a bit higher.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, sold for $550K
- Bedrooms −$17K
- Adjusts to $534K
That comparable adjusts to $534K; the $526K estimate above is the median of all 69 comparables, which is steadier than any single home.This estimate is grounded in actual closing prices from the last 15 months, not asking prices. Lot, condition, and finishes are still my in-person call.
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.
Total price vs nearby homes. Fair value about $526K, median of 69 comparables.
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.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 7 active listings nearby.
See all comparable homesThis home lists 6% above the area average of $941/sqft.
13 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 22, 2026); conventional rates run a little higher.
Mortgage amount $520,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,775
- Property tax
- $292
- Condo / maintenance fees
- $853
- Heating
- $0
- Estimated monthly cost
- $3,920
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,475
- Toronto municipal land transfer tax
- $9,475
- Estimated closing costs
- $18,950
Plus your down payment of $130,000. 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
- $166,495
- Principal paid down
- $66,222
- Interest paid
- $100,273
- Balance remaining
- $453,778
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 RIGHT AT HOME REALTY. MLS®/PropTx.