314-21 Earl Street, Toronto, ON
North St. James Town, Toronto · MLS® C13784172
About this home
In short
- Experience the perfect blend of industrial character and modern luxury at Earl Lofts, a boutique gated community offering a rare, low-rise alternative to the typical...
- This smartly designed two-storey residence features dramatic 17-foot ceilings and massive south-facing windows that flood the open-concept living space with natural...
- The second level serves as a serene retreat, boasting a spacious primary bedroom with an open concept design to let the breeze flow through.
- With lower maintenance fees and no busy elevators to navigate, this unique oasis delivers both tranquility and urban convenience in one of the city's most coveted...
Experience the perfect blend of industrial character and modern luxury at Earl Lofts, a boutique gated community offering a rare, low-rise alternative to the typical downtown condo. This smartly designed two-storey residence features dramatic 17-foot ceilings and massive south-facing windows that flood the open-concept living space with natural light. The main level is built for effortless entertaining, centered around a modern updated kitchen with granite countertops, stainless steel appliances, and a cozy gas fireplace that leads to a private balcony with south views. The second level serves as a serene retreat, boasting a spacious primary bedroom with an open concept design to let the breeze flow through. Tucked away on a quiet, tree-lined cul-de-sac just steps from Jarvis and Bloor, this sun-drenched sanctuary provides an artful opulence with unbeatable access to the subway, Eataly, and the Rosedale Valley trails. With lower maintenance fees and no busy elevators to navigate, this unique oasis delivers both tranquility and urban convenience in one of the city's most coveted pockets.
Key facts
- Property type
- Condo Townhouse, Loft
- MLS®
- C13784172
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 900-999 sq ft
- Cross streets
- Jarvis & Bloor
- Parking
- 0 parking
- Basement
- None
- Heating
- Forced Air
- A/C
- Wall Unit(s)
- Exterior
- Stucco (Plaster)
- Maintenance
- $633/mo
- Exposure
- South East
- Property tax
- $2,541 / 2025
- Days on market
- 34
- Listing brokerage
- RE/MAX HALLMARK REALTY LTD.
Rooms
hardwood floor · open concept · granite counters
hardwood floor · combined w/dining · south view
broadloom · overlooks living · open concept
hardwood floor · combined w/laundry
ceramic floor · 4 pc ensuite · granite counters
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 readIts 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.
For sale
For sale
For sale
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest condo townhouse listings on the market.
Per square foot, these ask about $781/sqft; this home lists at $569/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesSold price trend
Median sold price for condo townhouses in Toronto: $684K in September 2026, down 3% from a year ago, on 1,425 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Toronto as a whole: the neighbourhood alone has too few closings for a line of its own.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $702K | 150 |
| November 2025 | $709K | 130 |
| December 2025 | $705K | 63 |
| January 2026 | $695K | 77 |
| February 2026 | $728K | 104 |
| March 2026 | $715K | 121 |
| April 2026 | $711K | 147 |
| May 2026 | $726K | 131 |
| June 2026 | $706K | 132 |
| July 2026 | $683K | 156 |
| August 2026 | $669K | 116 |
| September 2026 | $684K | 98 |
Neighbourhood & location
North St. James Town, 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.
Also nearby: 12 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.
Mortgage amount $431,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,388
- Property tax
- $212
- Condo / maintenance fees
- $633
- Heating
- $0
- Estimated monthly cost
- $3,233
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $7,273
- Toronto municipal land transfer tax
- $7,273
- Estimated closing costs
- $14,546
Plus your down payment of $107,980. 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
- $143,290
- Principal paid down
- $52,773
- Interest paid
- $90,517
- Balance remaining
- $379,147
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 numbersThe last 6 whole-home leases in North St. James Town signed at a median of $4,250 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,783. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX HALLMARK REALTY LTD.. MLS®/PropTx.