4408-10 York Street, Toronto, ON

Waterfront Communities C1, Toronto · MLS® C13877246

$550,000
For Sale
Listed 11 days agoNo offer date stated
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1Bedrooms
1Bathrooms
0Parking
600-699Sq ft

About this home

In short

  • Luxury Tridel Living in the Heart of Toronto's Financial District.
  • The building features an impressive three-storey lobby and an outstanding collection of amenities, including 24-hour concierge, smart-building technology, keyless...

Clear Lake Views! Luxury Tridel Living in the Heart of Toronto's Financial District!Enjoy breathtaking clear lake views from this exceptional suite in a prestigious Tridel building, offering the perfect blend of luxury, convenience, and modern urban living.Ideally located just steps from the TTC, GO Station, and PATH, with Toronto's financial district, dining, shopping, and entertainment right at your doorstep.The building features an impressive three-storey lobby and an outstanding collection of amenities, including 24-hour concierge, smart-building technology, keyless entry, state-of-the-art fitness centre, yoga and spinning studios, games room, party room, outdoor pool, and sauna.Experience sophisticated downtown living with spectacular lake views and world-class amenities-all in one of Toronto's most connected locations!

Key facts

Property type
Condo Apartment, Apartment
MLS®
C13877246
Bedrooms
1
Bathrooms
1
Size
600-699 sq ft
Cross streets
York St & Harbour St
Parking
0 parking
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Concrete
Maintenance
$483/mo
Exposure
South
Property tax
$3,384 / 2026
Days on market
11
Listing brokerage
REALTRIUM REALTY

Rooms

Primary BedroomFlat10.76 × 9.51 m

laminate · large closet · large window

Dining RoomFlat10.46 × 9.84 m

laminate · combined w/kitchen

Living RoomFlat10.50 × 9.84 m

laminate · large window

KitchenFlat10.46 × 9.84 m

laminate · combined w/dining

Our TakeTeam Asgarian · Broker
No automatic estimate

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 read

The 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

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.

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 Jean Lumb Public School
73%
Jean Lumb Public SchoolPublic · Elementary · 1.0 km awayAround the GTA average · 73% meet the provincial standard
Also nearby: 12 more schools within 2.5 km
Downtown Alternative School · Public elementary1.2 km
St Michael Catholic School · Catholic elementary1.2 km · 67% at standard
City School · Public secondary1.4 km · 58% at standard
The Waterfront School · Public elementary1.4 km · 74% at standard
Oasis Alternative Secondary School · Public secondary1.4 km
ALPHA Alternative Junior School · Public elementary1.4 km
Ogden Junior Public School · Public elementary1.5 km · 69% at standard
Contact Alternative School School · Public secondary1.6 km
St Michael's Choir (Sr) School · Catholic secondary1.6 km · 98% at standard
St Michael's Choir (Jr) School · Catholic elementary1.6 km · 98% at standard
Market Lane Junior and Senior Public School · Public elementary1.7 km · 74% at standard
Heydon Park Secondary School · Public secondary1.9 km · 8% at standard

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

Affordability & Mortgage

Affordability
$2,507/mo
$117KIncome needed
4.7×Price ÷ income
$578Weekly cost
$14,950Land 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.

77%mortgage
Mortgage $2,507Property tax $282Condo fee $483Total carry $3,272

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 19, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$2,433per month

Mortgage amount $440,000 · 4.49% over 25 years

$110,000Down payment (20.0%)
$440,000Loan before insurance
$0CMHC premium
$3,198Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$2,433
Property tax
$282
Condo / maintenance fees
$483
Heating
$0
Estimated monthly cost
$3,198

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

One-time closing costs

Ontario land transfer tax
$7,475
Toronto municipal land transfer tax
$7,475
Estimated closing costs
$14,950

Plus your down payment of $110,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$2,945/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

$289,851Total interest paid
$729,851Total of all payments
Principal $440,000 Interest $289,851
YearPrincipalInterestBalance
1$9,819$19,375$430,181
2$10,265$18,929$419,916
3$10,731$18,463$409,186
4$11,218$17,976$397,967
5$11,727$17,467$386,240
6$12,260$16,934$373,980
7$12,816$16,378$361,164
8$13,398$15,796$347,765
9$14,007$15,187$333,759
10$14,643$14,551$319,116
11$15,308$13,886$303,808
12$16,003$13,191$287,806
13$16,729$12,465$271,077
14$17,489$11,705$253,588
15$18,283$10,911$235,305
16$19,113$10,081$216,192
17$19,981$9,213$196,212
18$20,888$8,306$175,324
19$21,836$7,358$153,487
20$22,828$6,366$130,660
21$23,864$5,330$106,795
22$24,948$4,246$81,848
23$26,080$3,114$55,767
24$27,265$1,929$28,503
25$28,503$691$0

At the end of your 5-year term

Total paid over the term
$145,970
Principal paid down
$53,760
Interest paid
$92,210
Balance remaining
$386,240

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$2,050/mo
$24,600Gross annual rent
2.2%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.

4.5%
Gross yield
− Property tax $3,384− Condo fees $5,796− Insurance $600− Vacancy & upkeep $2,706Net operating income $12,114

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

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