904-1121 Bay Street, Toronto, ON

Bay Street Corridor, Toronto · MLS® C13774920

$850,000
For Sale
Listed 38 days agoNo offer date stated
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2Bedrooms
2Bathrooms
1Garage
900-999Sq ft

About this home

In short

  • Welcome to this exceptional corner residence combines sophisticated city living with the comfort and privacy of a boutique-style building.
  • Offering approximately 935 sq. ft. of interior living space, the thoughtfully designed suite features two bedrooms, two full bathrooms, parking, and a locker.
  • The bright, open-concept interior has been completely renovated and showcases hardwood flooring throughout, and floor-to-ceiling windows that fill the home with...
  • Residents enjoy an impressive selection of building amenities, including 24-hour concierge service, a fitness centre, sauna, party room, and rooftop terrace with BBQ...
  • With its generous proportions, extensive renovations, abundant natural light, exceptional amenities, and unbeatable location, this is a truly special opportunity to...

Welcome to this exceptional corner residence combines sophisticated city living with the comfort and privacy of a boutique-style building. Offering approximately 935 sq. ft. of interior living space, the thoughtfully designed suite features two bedrooms, two full bathrooms, parking, and a locker. The bright, open-concept interior has been completely renovated and showcases hardwood flooring throughout, and floor-to-ceiling windows that fill the home with natural light. A spacious living and dining area provides an ideal setting for entertaining. The split-bedroom layout offers excellent separation and privacy, while the expansive west-facing balcony provides an inviting outdoor retreat with plenty of room to unwind or host guests. Perfectly positioned in one of the city's most desirable neighbourhoods, the residence is surrounded by some of Toronto's finest shopping, dining, and entertainment. Upscale Bloor St & Yorkville shopping and numerous restaurants and cafés are just steps away. The University of Toronto and Bay Subway Station are also within easy walking distance, with convenient access to the TTC, government offices, and countless downtown amenities. Residents enjoy an impressive selection of building amenities, including 24-hour concierge service, a fitness centre, sauna, party room, and rooftop terrace with BBQ facilities. The attentive concierge team provides a welcoming, personalized experience that is rarely found in a larger urban residence. With its generous proportions, extensive renovations, abundant natural light, exceptional amenities, and unbeatable location, this is a truly special opportunity to enjoy refined downtown living in the heart of the city.

Key facts

Property type
Condo Apartment, Apartment
MLS®
C13774920
Bedrooms
2
Bathrooms
2
Size
900-999 sq ft
Cross streets
Bay St / Bloor St W
Parking
1 garage (underground)
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Concrete
Maintenance
$1,447/mo
Exposure
North West
Property tax
$4,627 / 2026
Days on market
38
Listing brokerage
PROPERTY.CA INC.

Rooms

Living RoomFlat3.70 × 3.49 m

open concept · overlooks dining

Dining RoomFlat3.39 × 1.77 m

open concept · west view

KitchenFlat3.48 × 6.57 m

breakfast bar · stainless steel appl · w/o to balcony

Bedroom 2Flat3.01 × 3.73 m

double closet · north view

Primary BedroomFlat4.93 × 3.06 m

3 pc ensuite · double closet · pot lights

Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

Considering this property? Request a written price read

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.

What sellers nearby are askingCurrently listed nearby in Bay Street Corridor · asking prices
$823kavg asking

The closest active listings by size, beds, and price, so you can see what this home is up against.

Per square foot, these ask about $878/sqft; this home lists at $895/sqft. Size is part of the price story, not just the sticker.

The 5 closest of 8 active listings nearby.

See all comparable homes
850kThis home840k826k750k925k775kThis home vs active comparables

Neighbourhood & location

Bay Street Corridor, Toronto, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Church-Yonge Corridor
$541K
Waterfront Communities C1
$700K
Waterfront Communities C8
$577K
Niagara
$603K
Mount Pleasant West
$858K

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

Get the full neighbourhood report (schools, parks, transit & safety) →

Schools & catchmentAssigned attendance-boundary schools, with EQAO results

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.

Street view near Jesse Ketchum Junior and Senior Public School
87%
Jesse Ketchum Junior and Senior Public SchoolPublic · Elementary · 0.6 km awayHigher-rated than most nearby · 87% meet the provincial standard
Also nearby: 12 more schools within 2.5 km
St Joseph's College School · Catholic secondary0.4 km · 76% at standard
Native Learning Centre · Public secondary0.9 km
Church Street Junior Public School · Public elementary0.9 km · 73% at standard
Msgr Fraser College (Isabella Campus) · Catholic secondary1.0 km
Jarvis Collegiate Institute · Public secondary1.0 km · 57% at standard
Orde Street Public School · Public elementary1.1 km · 76% at standard
St Martin Catholic School(OL of Lourdes · Catholic elementary1.1 km
Huron Street Junior Public School · Public elementary1.2 km · 74% at standard
Rosedale Junior Public School · Public elementary1.2 km · 94% at standard
Rose Avenue Junior Public School · Public elementary1.3 km · 46% at standard
Winchester Junior and Senior Public School · Public elementary1.4 km · 76% at standard
Lord Lansdowne Junior Public School · Public elementary1.5 km · 85% at standard

Not the assigned catchment: schools a family here could reach, with EQAO results where published.

Affordability & Mortgage

Affordability
$3,874/mo
$191KIncome needed
4.5×Price ÷ income
$894Weekly cost
$26,950Land transfer tax, one-time (Ontario + Toronto)
20% down4.79%25-yr amortization

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.

68%mortgage
Mortgage $3,874Property tax $386Condo fee $1,447Total carry $5,706

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$3,760per month

Mortgage amount $680,000 · 4.49% over 25 years

$170,000Down payment (20.0%)
$680,000Loan before insurance
$0CMHC premium
$5,592Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,760
Property tax
$386
Condo / maintenance fees
$1,447
Heating
$0
Estimated monthly cost
$5,592

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$13,475
Toronto municipal land transfer tax
$13,475
Estimated closing costs
$26,950

Plus your down payment of $170,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$4,551/monthPayment at the qualifying rate

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

$447,951Total interest paid
$1,127,951Total of all payments
Principal $680,000 Interest $447,951
YearPrincipalInterestBalance
1$15,175$29,943$664,825
2$15,864$29,254$648,962
3$16,584$28,534$632,378
4$17,337$27,781$615,041
5$18,124$26,994$596,917
6$18,947$26,171$577,970
7$19,807$25,311$558,162
8$20,707$24,411$537,456
9$21,647$23,471$515,809
10$22,630$22,488$493,179
11$23,657$21,461$469,522
12$24,731$20,387$444,791
13$25,854$19,264$418,937
14$27,028$18,090$391,909
15$28,255$16,863$363,653
16$29,538$15,580$334,115
17$30,879$14,239$303,236
18$32,281$12,837$270,955
19$33,747$11,371$237,208
20$35,279$9,839$201,929
21$36,881$8,237$165,047
22$38,556$6,562$126,492
23$40,306$4,812$86,186
24$42,136$2,982$44,049
25$44,049$1,069$0

At the end of your 5-year term

Total paid over the term
$225,590
Principal paid down
$83,083
Interest paid
$142,507
Balance remaining
$596,917

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.

Let's connect

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

Rental yield
Estimate$3,050/mo
$36,600Gross annual rent
1.2%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

4.3%
Gross yield
− Property tax $4,627− Condo fees $17,359− Insurance $600− Vacancy & upkeep $4,026Net operating income $9,988

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of PROPERTY.CA INC.. MLS®/PropTx.

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