1203-5 St. Joseph Street, Toronto, ON
Bay Street Corridor, Toronto · MLS® C13582296
About this home
!!Location!! !!Location!! !!Location!! Luxury Condo In The Heart Of Downtown Toronto @ Yonge/Bay/Wellesley. Close To Everything You Need! Steps To U Of T, Subway, Restaurants, Shops, Parks And More! Very Bright Unobstructed South View Large Balcony, Centre Island, Hardwood Flooring Throughout, Granite Countertops, Pot Lights And Much More. Building Amenities Include 24/7 Concierge And Security, Piano Bar/Dining Room, Billiards, Cocktail Lounge, Party Room! Fully Furnished With A Height-Adjustable Standing Desk, Office Chair, Dining Chair, Bed Frame, Mattress, and Nightstand.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13582296
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 500-599
- Cross streets
- Yonge and St Joseph
- Parking
- 0 parking
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Exposure
- South
- Days on market
- 1
- Listing brokerage
- BAY STREET INTEGRITY REALTY INC.
Rooms
glass doors · closet · laminate
stainless steel appl · centre island · w/o to balcony
open concept · w/o to balcony · combined w/dining
combined w/kitchen · overlooks living
Listed at $2,250/mo, this rental is right in line with comparable rentals. The number above is my independent estimate of value, not the asking price.
In Bay Street Corridor lately, landlords have been getting about 100% of asking and homes lease in about 16 days.
Based on 90 similar rentals that recently leased nearby, adjusted for size, beds, and baths.Median of 90 recently leased comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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, leased for $2,600/mo
- Bedrooms −$150/mo
- Adjusts to $2,450/mo
That comparable adjusts to $2,450/mo; the $2,244/mo estimate above is the median of all 90 comparables, which is steadier than any single home.This estimate is grounded in actual lease prices from the last 15 months, not asking prices. Condition, finishes, and exact inclusions 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.
On location, this is a very walkable address with everyday errands close by. Gloucester Street is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $2,244/mo, median of 90 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.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Lifestyle
- 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 8 active listings nearby.
See all comparable homesOn the market now.
View comparable listingsNot enough sq ft data to place this home on the area price curve.
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
Walker's ParadiseA 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.
Most daily errands can be done on foot.
🚉 Nearest transit: Gloucester Street, about 87 m away
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
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 21, 2026); conventional rates run a little higher.
Mortgage amount $1,800 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $10
- Property tax
- $1
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $11
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11
- Toronto municipal land transfer tax
- $11
- Estimated closing costs
- $23
Plus your down payment of $450. 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
- $576
- Principal paid down
- $229
- Interest paid
- $347
- Balance remaining
- $1,571
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.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of BAY STREET INTEGRITY REALTY INC.. MLS®/PropTx.