Unit GPH22 · Annex · Toronto
280 Howland
Property detail
A two-bedroom grand penthouse at Bianca in the Annex, with a balcony over the treetops. Wood cabinetry and a gas cooktop in the kitchen, a double-vanity ensuite, and a pool and terrace on the roof.
- 2 Bedroom
- 2 Bath
- 900-999 Sq ft
- 1 Parking
Your agent
The property
- Condo Apartment
- None
- Central Air
- Forced Air
- North exposure
The photographs
Inside
The living room opens to the balcony
Glass along the outside wall, with the balcony running off the living and dining end.
The principal rooms
Kitchen, dining and two bedrooms
An island kitchen with a gas cooktop and integrated appliances, a dining end at the window, and two bedrooms.
Room dimensions
- Bedroom 2Flat
- 3.25 × 2.95 m
- BedroomFlat
- 3.86 × 3.10 m
- Living RoomFlat
- 3.86 × 3.10 m
- Dining RoomFlat
- 5.38 × 3.05 m
The ensuite
A double vanity and a glass shower
Stone counters and dark wood, with a separate glass shower.
The outlook
The balcony looks over the treetops
Green across most of the outlook, with the rail corridor below and the city beyond it.
The building
A pool on the roof
An outdoor pool and a terrace with barbecues on the roof, a gym on the amenity floor, and a lounge off the lobby.
The plans
The floor plan
Suite GPH22
- Bedroom 2
- 3.25 × 2.95 m
- Bedroom
- 3.86 × 3.10 m
- Living Room
- 3.86 × 3.10 m
- Dining Room
- 5.38 × 3.05 m
The numbers
What it costs to hold
Maintenance and property tax are the fixed monthly costs before a mortgage.
Down payment is the CMHC minimum for an owner-occupied purchase at this price. Figures exclude mortgage costs, land transfer tax and closing costs, and are illustrative rather than financial advice.
The neighbourhood
The Annex from the air
A green roof on the building and the downtown skyline behind it.
The neighbourhood
Life around Annex
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.
Also nearby: 12 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
Moe’s take
A penthouse-level suite in the Annex that looks over treetops rather than into the next building, in a building with a pool and a terrace on the roof. The outlook is the part you cannot renovate into a unit later.
Team Asgarian · RE/MAX Hallmark Realty Ltd.
We are proud to represent this home. Our team handles every detail, the marketing, the staging, and the showings. The best way to feel what makes it special is in person, so book a private showing and I will walk you through it myself.
Listed at $1,049,000. The 17 most comparable recent sales in Annex, each adjusted to this home, put it around $1.02M, with a typical range of $831K to $1.13M. Ask me for the full comparison and I will walk you through every one.
Total price vs nearby homes. Fair value about $1.02M, median of 17 comparables.
Highlights
- Pool
- Open-concept layout
The detail
Price history and the 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.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 4.24% via Ratehub.ca (as of September 18, 2026); conventional rates run a little higher.
Mortgage amount $839,200 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,594
- Property tax
- $485
- Condo / maintenance fees
- $895
- Heating
- $0
- Estimated monthly cost
- $5,973
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $17,455
- Toronto municipal land transfer tax
- $17,455
- Estimated closing costs
- $34,910
Plus your down payment of $209,800. 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
- $275,614
- Principal paid down
- $103,761
- Interest paid
- $171,853
- Balance remaining
- $735,439
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.
Come see it
Book a private viewing
Tell us when suits you and we will open the house. If you want the numbers run against your own down payment first, we will do that instead.