207-5 St Joseph Street, Toronto, ON
Bay Street Corridor, Toronto · MLS® C13862468
About this home
In short
- Welcome to Five Condos, where luxury living meets the heart of Downtown Toronto.
- This bright and spacious 823sq. ft.
- 2 BED 2 BATH suite features one of the best and most functional split bedroom floor plan with the upmost privacy.
- Enjoy 9-ft ceiling, west unobstructed view with abundant natural light.
- Exceptional building amenities include 24-hour concierge, fully equipped fitness centre,party room, rooftop terrace with BBQs, visitor parking, and more.
Welcome to Five Condos, where luxury living meets the heart of Downtown Toronto! This bright and spacious 823sq. ft. 2 BED 2 BATH suite features one of the best and most functional split bedroom floor plan with the upmost privacy. Enjoy 9-ft ceiling, west unobstructed view with abundant natural light. The modern kitchen is ideal for both everyday living and entertaining, featuring premium built-in MIELE appliances and a large centre island withan integrated dining table. Exceptional building amenities include 24-hour concierge, fully equipped fitness centre,party room, rooftop terrace with BBQs, visitor parking, and more. Perfectly situated just steps from Wellesley Subway Station, U of T, TMU, major hospitals, Yorkville, Eaton Centre, restaurants, grocery stores, and the Financial District. An ideal home for professionals and students alike, offering an unbeatable combination of space,functionality, luxury, and location. Don't miss this opportunity! 1 Parking.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C13862468
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 800-899 sq ft
- Cross streets
- Yonge & Wellesley
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $796/mo
- Exposure
- West
- Property tax
- $4,335 / 2026
- Days on market
- 14
- Listing brokerage
- CENTURY 21 ATRIA REALTY INC.
Rooms
west view · laminate · combined w/dining
4 pc ensuite · west view · large closet
laminate · sliding doors
b/i appliances · stainless steel appl · centre island
family size kitchen · backsplash · modern kitchen
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 $968/sqft; this home lists at $824/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
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 $559,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,096
- Property tax
- $361
- Condo / maintenance fees
- $796
- Heating
- $0
- Estimated monthly cost
- $4,253
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $10,473
- Toronto municipal land transfer tax
- $10,473
- Estimated closing costs
- $20,946
Plus your down payment of $139,980. 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
- $185,754
- Principal paid down
- $68,412
- Interest paid
- $117,342
- Balance remaining
- $491,508
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 CENTURY 21 ATRIA REALTY INC.. MLS®/PropTx.