5109-88 Harbour Street, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C13838754
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About this home
One-bedroom suite at the luxurious Harbour Plaza, developed by Menkes, offers an exceptionalurban living experience. Situated on a high floor, it provides stunning lake and city views.The modern kitchen is equipped with luxury brand built-in appliances and a kitchen island,combine the living and dining area enhancing both style and functionality. The bedroom includesa walk-in closet and a large window, bringing in abundant natural light. Located in a primewaterfront area, the unit offers direct access to the underground PATH, providing seamlessconnection to the downtown core. It is within walking distance of iconic landmarks such as theCN Tower, Union Station, Scotiabank Arena, Rogers Centre, and the Financial and EntertainmentDistricts. The Harbourfront, Longo's, shops, and cafes are just steps away, offering theultimate in convenience and urban lifestyle.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13838754
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 500-599 sq ft
- Cross streets
- Bay St & Harbour St
- Parking
- 0 parking
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $544/mo
- Exposure
- South
- Property tax
- $2,826 / 2026
- Days on market
- 17
- Listing brokerage
- KW Living Realty
Rooms
laminate · open concept · b/i appliances
laminate · combined w/living · w/o to balcony
laminate · combined w/dining · w/o to balcony
laminate · walk-in closet(s) · large window
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readThe 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.
Neighbourhood & location
Waterfront Communities C1, Toronto, ON
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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 $460,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,543
- Property tax
- $236
- Condo / maintenance fees
- $544
- Heating
- $0
- Estimated monthly cost
- $3,323
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $7,975
- Toronto municipal land transfer tax
- $7,975
- Estimated closing costs
- $15,950
Plus your down payment of $115,000. 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
- $152,605
- Principal paid down
- $56,204
- Interest paid
- $96,402
- Balance remaining
- $403,796
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 KW Living Realty. MLS®/PropTx.