513-770 Bay Street, Toronto, ON
Bay Street Corridor, Toronto · MLS® C13815918
About this home
In short
- Lumiere Condos at 770 Bay Street - experience the absolute best of Toronto's Bay Street Corridor.
- Gleaming hardwood floors and 2 walkouts to a large open balcony.
- A true split-bedroom layout which offers maximum privacy, featuring a spacious primary bedroom with a 4pc-ensuite bathroom.
- Five-Star Building Amenities: Residents enjoy 24-hour concierge service, a state-of-the-art fitness centre, an indoor pool, a private cinema, a billiards room, and a...
- Living on a lower level means you can completely bypass the morning elevator rush and take the stairs - a massive time-saver when you're heading out for work or...
Lumiere Condos at 770 Bay Street - experience the absolute best of Toronto's Bay Street Corridor! Located just steps from the downtown hospital network, University of Toronto, TMU, Eaton Centre, the financial district, and two major subways (College & Queen's Park Subway). Original owners and has never been rented , this two bedroom plus den, 895 Sq. Ft. of living space with a highly functional layout that maximizes every square foot. Gleaming hardwood floors and 2 walkouts to a large open balcony. 9 foot ceilings throughout. A true split-bedroom layout which offers maximum privacy, featuring a spacious primary bedroom with a 4pc-ensuite bathroom. It features a large den - a distinct, dedicated space ideal for a quiet home office, creative studio, or can be used as a 3rd bedroom. Five-Star Building Amenities: Residents enjoy 24-hour concierge service, a state-of-the-art fitness centre, an indoor pool, a private cinema, a billiards room, and a breathtaking rooftop terrace equipped with BBQs. Living on a lower level means you can completely bypass the morning elevator rush and take the stairs - a massive time-saver when you're heading out for work or walking the dog.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13815918
- Bedrooms
- 2+1 (3 total)
- Bathrooms
- 2
- Size
- 800-899 sq ft
- Cross streets
- Bay & College
- Parking
- 0 parking
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $856/mo
- Exposure
- North West
- Property tax
- $4,903 / 2026
- Days on market
- 27
- Listing brokerage
- RE/MAX WEST REALTY INC.
Rooms
hardwood floor · glass doors
closet · window floor to ceiling
hardwood floor · w/o to balcony
hardwood floor · open concept
hardwood floor · open concept
4 pc ensuite · w/o to balcony · window floor to ceiling
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 saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $865/sqft; this home lists at $893/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
Bay Street Corridor, 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.
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 19, 2026); conventional rates run a little higher.
Mortgage amount $607,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,357
- Property tax
- $409
- Condo / maintenance fees
- $856
- Heating
- $0
- Estimated monthly cost
- $4,622
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,655
- Toronto municipal land transfer tax
- $11,655
- Estimated closing costs
- $23,310
Plus your down payment of $151,800. 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
- $201,439
- Principal paid down
- $74,189
- Interest paid
- $127,250
- Balance remaining
- $533,011
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 RE/MAX WEST REALTY INC.. MLS®/PropTx.