6103-100 Harbour Street, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13597276
About this home
This beautiful and turnkey unit in Toronto's South Financial Core is a true gem. Facing north-west, it enjoys exceptional brightness from dawnuntil dusk, creating a warm and inviting atmosphere throughout the day. Nestled high above the city, this home in the clouds offers breathtakingviews of the sunset, the iconic CN Tower, and the charismatic Toronto skyline, making it a picturesque retreat. As part of the Harbour Collectionby Menkes, this rare unit is adorned with exclusive upgrades that elevate its appeal. The 9' smooth ceilings give the space a spacious and airyfeel, while the engineered hardwood flooring provides a stylish and durable finish. The kitchen is a chef's dream, featuring soft-close cabinetdrawers that add convenience and longevity, and sleek quartz countertops that enhance the modern aesthetic. The four-piece built-in Miele highendappliances, including a stove top, oven, dishwasher, and fridge, ensure that every culinary task is executed with ease and precision. The unitalso includes a range of creature comforts designed to enhance the quality of living. The Nest thermostat integration allows for efficient climatecontrol, ensuring the home is always at the perfect temperature, while motion-activated under-cabinet lighting adds a touch of convenience andsophistication. Additionally, the professionally-installed custom backsplash further enhances the kitchen's visual appeal, making it a truecenterpiece of the home. This stunning unit combines luxury, convenience, and modern living in one of Toronto's most desirable locations.Perfect for those seeking an elevated urban lifestyle, it offers a unique opportunity to experience the best of city living in a beautifully appointedand thoughtfully upgraded space.Direct covered access to the P.A.T.H, Union Station, Steps away from the Waterfront, Financial & Entertainment Districts.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13597276
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 500-599
- Cross streets
- Bay/Harbour
- Parking
- 0 parking
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete, Other
- Maintenance
- $661/mo
- Exposure
- North
- Property tax
- $3,190 / 2025
- Listing brokerage
- BAY STREET GROUP INC.
Rooms
Listed at $499,000, this home is about 10% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Below comparable homes on total price, yet the price per square foot ($908/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
In Waterfront Communities C1 lately, sellers have been getting about 97% of asking and homes sell in about 33 days.
Based on 9 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 9 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $591K, a close match.
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 $620K
- Size difference −$47K
- Bedrooms −$10K
- Adjusts to $563K
That comparable adjusts to $563K; the $557K estimate above is the median of all 9 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 Jean Lumb Public 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 $557K, median of 9 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. Lifestyle
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 homesThis home lists 3% below the area average of $936/sqft.
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 23, 2026); conventional rates run a little higher.
Mortgage amount $399,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,130
- Property tax
- $266
- Condo / maintenance fees
- $661
- Heating
- $0
- Estimated monthly cost
- $3,057
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $6,455
- Toronto municipal land transfer tax
- $6,455
- Estimated closing costs
- $12,910
Plus your down payment of $99,800. 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
- $127,817
- Principal paid down
- $50,838
- Interest paid
- $76,979
- Balance remaining
- $348,362
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 BAY STREET GROUP INC.. MLS®/PropTx.