511-45 Charles Street, Toronto, ON
Church-Yonge Corridor, Toronto · MLS® C13580982
About this home
Welcome to an exceptional opportunity at The Chaz- a rarely offered, expansive 3-bedroom + den corner suite that seamlessly blends luxury, space, and location. Spanning approximately 1253 with an intelligently designed layout, this bright southeast-facing unit boasts large 9 floor-to-ceiling windows that flood the living spaces with natural light throughout the day while overlooking the serene courtyard, offering a peaceful retreat in the heart of downtown. Recently refreshed and meticulously maintained by its original owner, the suite features newly upgraded flooring, fresh paint, & a large foyer with a versatile den space. The open-concept living & dining area is perfect for entertaining, leading into a modern chefs kitchen complete with a luxurious built-in paneled double-door fridge, stainless steel built-in appliances, quartz countertops, and an oversized island with breakfast bar w/ chic pot lighting. The oversized great room offers a flexible space ideal for gatherings or relaxing after a busy day. Retreat to the expansive primary bedroom featuring three double closets, an unobstructed south-facing view, and a spa-inspired custom 4-piece ensuite bathrm. The two additional bedrms are equally generous in size, each w/ large windows and ample closet space- an extremely rare find in a downtown condo. Enjoy a quiet living experience in a rare spacious condo, away from elevators and garbage chutes, offering the comforts of a house with the ease of condo living. This suite also comes with a premium locker & parking conveniently located on P2. Residents have exclusive access to first-class amenities including the private Chaz Club on the 36/37 floors with panoramic city & lake views, a fully equipped gym, billiards rm, theatre, party rm, pet spa, BBQ courtyard, and 3 luxurious guest suites. All of this in a AAA location- just steps to TTC subway, Yorkville's upscale boutiques, world-class dining, U of T, TMU & everything the vibrant Yonge-Bloor corridor has to offer!
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13580982
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2
- Size
- 1200-1399
- Cross streets
- Yonge St and Bloor St E
- Parking
- 1 garage (none)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Concrete
- Maintenance
- $1,171/mo
- Exposure
- South East
- Property tax
- $7,343 / 2026
- Days on market
- 4
- Listing brokerage
- THE KEY MARKET INC.
Rooms
open concept · combined w/living · overlooks garden
large window · large closet
4 pc bath · tile floor
4 pc ensuite · tile floor
large window · large closet
b/i appliances · panelled · quartz counter
open concept · overlooks living · separate room
his and hers closets · 4 pc ensuite · large window
open concept · vinyl floor
window floor to ceiling · w/o to balcony · sliding doors
Listed at $1,148,000, this home is about 33% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
In Church-Yonge Corridor lately, sellers have been getting about 97% of asking and homes sell in about 32 days.
Based on 12 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 12 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.34M, higher than the comparables and worth a second look.
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 $776K
- Size difference +$257K
- Bedrooms +$27K
- Adjusts to $1.06M
That comparable adjusts to $1.06M; the $863K estimate above is the median of all 12 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.
Its 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.
Total price vs nearby homes. Fair value about $863K, median of 12 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. 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
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 6 active listings nearby.
See all comparable homesThis home lists 10% above the area average of $804/sqft.
3 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Church-Yonge Corridor, 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 23, 2026); conventional rates run a little higher.
Mortgage amount $918,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,901
- Property tax
- $612
- Condo / maintenance fees
- $1,171
- Heating
- $0
- Estimated monthly cost
- $6,684
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $19,435
- Toronto municipal land transfer tax
- $19,435
- Estimated closing costs
- $38,870
Plus your down payment of $229,600. 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
- $294,055
- Principal paid down
- $116,958
- Interest paid
- $177,097
- Balance remaining
- $801,442
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 THE KEY MARKET INC.. MLS®/PropTx.