PH04-99 Harbour Square, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13589804
About this home
Rarely does a residence of such distinction & breathtaking waterfront beauty become available on Toronto's prestigious Harbourfront. This exceptional 3-bedroom + den, 2-bathroom residence offers an extraordinary lifestyle defined by uninterrupted south-east views, remarkable natural light & an expansive 700 sq. ft. terrace overlooking Lake Ontario & the Toronto Islands. Beautifully maintained throughout, this sophisticated home is enveloped by floor-to-ceiling windows that capture spectacular panoramic views from virtually every principal room. Streaming sunlight fills the residence throughout the day, creating a seamless connection between the elegant interior spaces & the stunning waterfront setting beyond. Designed for both entertaining & everyday living, the residence features expansive principal rooms & a highly functional layout. The generous living & dining rooms are perfectly positioned to maximize the views, while the well-appointed kitchen offers updated appliances, abundant storage & extensive preparation space. The primary retreat is a private sanctuary featuring breathtaking water views, generous closet space & a beautifully updated ensuite bath. Two additional bedrooms provide flexibility for family, guests or work-from-home living, while the separate den is ideal as a home office, library or media room. The spectacular 700 sq. ft. terrace is a rare extension of the living space, offering endless opportunities for outdoor dining, entertaining or relaxing while enjoying forever-protected lake views. Additional features include tandem parking for 2 vehicles, a locker conveniently located on the same floor & an unrivalled Harbourfront location moments to waterfront trails, island ferries, dining, shopping & entertainment. A truly rare offering combining the scale & comfort of a home w/ the convenience of luxury condominium living, framed by some of Toronto's most spectacular waterfront views.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13589804
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1800-1999
- Cross streets
- York & Queens Quay
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $2,461/mo
- Exposure
- South East
- Property tax
- $8,947 / 2026
- Days on market
- 1
- Listing brokerage
- ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTATE
Rooms
porcelain floor · double closet
porcelain floor · stone counters · stainless steel appl
hardwood floor · east view
hardwood floor · w/w closet · closet organizers
overlooks dining · hardwood floor · w/o to terrace
overlooks living · hardwood floor · window floor to ceiling
hardwood floor · 4 pc ensuite · east view
hardwood floor · mirrored walls · glass block window
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 fairThe 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.
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 homesThis home lists 18% above the area average of $1,027/sqft.
0 days faster than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Waterfront Communities C1, Toronto, ON
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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 22, 2026); conventional rates run a little higher.
Mortgage amount $1,836,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $9,798
- Property tax
- $746
- Condo / maintenance fees
- $2,461
- Heating
- $0
- Estimated monthly cost
- $13,004
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $43,850
- Toronto municipal land transfer tax
- $43,850
- Estimated closing costs
- $87,700
Plus your down payment of $459,000. 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
- $587,855
- Principal paid down
- $233,815
- Interest paid
- $354,040
- Balance remaining
- $1,602,185
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 ROYAL LEPAGE REAL ESTATE SERVICES OXLEY REAL ESTATE. MLS®/PropTx.