301-32 Camden Street, Toronto, ON

Waterfront Communities C1, Toronto · MLS® C14027602

$468,000
For Sale
Listed 6 days agoNo offer date stated
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1Bathrooms
0Parking
500-599Sq ft

About this home

In short

  • A junior one-bedroom that gets all the important things just right.
  • The future looks bright for this south-facing suite at 32 Camden.

A junior one-bedroom that gets all the important things just right. The future looks bright for this south-facing suite at 32 Camden. Oversized windows and southern exposure fill the space with daylight, giving the home an airy, open quality that belies its footprint. But the real standout is the layout. This oversized junior one-bedroom is thoughtfully arranged to give the sleeping area privacy and separation without closing off the rest of the suite. It lives more like a true one-bedroom, while still preserving a generous main living space with room to lounge, dine, entertain, and work comfortably from home. The kitchen is equally functional, with full-sized appliances, plenty of storage, and enough counter space to cook. Warm tones, crisp white walls, and a simple neutral palette keep everything feeling clean and uncomplicated, the way a kitchen should be!It's a home that makes the most of every square foot without trying too hard. Bright when you want it, calm when you need it, and thoughtfully laid out from end to end. And then there's Camden itself. It's one of those downtown pockets where the neighbourhood becomes an extension of your home. Coffee in the morning, dinner around the corner, a workout nearby, or simply a walk with no particular destination in mind. Everything feels close, easy, and woven into the rhythm of daily life. A junior one-bedroom that doesn't feel like a compromise. Just a really well-designed home in a really great spot.

Key facts

Property type
Condo Apartment, Apartment
MLS®
C14027602
Bathrooms
1
Size
500-599 sq ft
Cross streets
Richmond & Spadina
Parking
0 parking
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Concrete
Maintenance
$606/mo
Exposure
South
Property tax
$2,639 / 2025
Days on market
6
Listing brokerage
FOX MARIN ASSOCIATES LTD.

Rooms

Living RoomMain3.58 × 5.36 m

open concept · window floor to ceiling · laminate

KitchenMain3.58 × 5.36 m

modern kitchen · stainless steel appl · stone counters

BedroomMain2.03 × 2.84 m

large closet · laminate

Dining RoomMain3.58 × 5.36 m

open concept · combined w/kitchen · window floor to ceiling

Our TakeTeam Asgarian · Broker
No automatic estimate

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 read

The assigned public school is City School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.

What sellers nearby are askingCurrently listed nearby in Waterfront Communities C1 · asking prices
$455kavg asking

The closest active listings by size, beds, and price, so you can see what this home is up against.

Per square foot, these ask about $828/sqft; this home lists at $852/sqft. Size is part of the price story, not just the sticker.

The 5 closest of 8 active listings nearby.

See all comparable homes
468kThis home459k449k490k439k439kThis home vs active comparables

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.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Kensington-Chinatown
$585K
Niagara
$724K
Church-Yonge Corridor
$529K
Waterfront Communities C8
$554K
North St. James Town
$765K

Typical asking price of active listings of the same type, per area (outliers removed). Toronto.

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 Ryerson Community School
52%
Ryerson Community SchoolPublic · Elementary · 0.6 km awayBelow the GTA average · 52% meet the provincial standard
ALPHA Alternative Junior SchoolEQAO results not published
Also nearby: 12 more schools within 2.5 km
Oasis Alternative Secondary School · Public secondary0.2 km
Ogden Junior Public School · Public elementary0.3 km · 69% at standard
Bishop Macdonell Catholic School · Catholic elementary0.9 km · 82% at standard
Heydon Park Secondary School · Public secondary0.9 km · 8% at standard
Contact Alternative School School · Public secondary0.9 km
Jean Lumb Public School · Public elementary0.9 km · 73% at standard
Niagara Street Junior Public School · Public elementary0.9 km · 82% at standard
Beverley School · Public elementary1.0 km
Subway Academy II · Public secondary1.0 km
Charles G Fraser Junior Public School · Public elementary1.0 km · 74% at standard
Kensington Community School School Junior · Public elementary1.2 km · 97% at standard
The Waterfront School · Public elementary1.3 km · 74% at standard

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

Affordability & Mortgage

Affordability
$2,133/mo
$103KIncome needed
4.5×Price ÷ income
$492Weekly cost
$11,670Land 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.

72%mortgage
Mortgage $2,133Property tax $220Condo fee $606Total carry $2,959

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 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$2,070per month

Mortgage amount $374,400 · 4.49% over 25 years

$93,600Down payment (20.0%)
$374,400Loan before insurance
$0CMHC premium
$2,896Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$2,070
Property tax
$220
Condo / maintenance fees
$606
Heating
$0
Estimated monthly cost
$2,896

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

One-time closing costs

Ontario land transfer tax
$5,835
Toronto municipal land transfer tax
$5,835
Estimated closing costs
$11,670

Plus your down payment of $93,600. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$2,506/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

$246,637Total interest paid
$621,037Total of all payments
Principal $374,400 Interest $246,637
YearPrincipalInterestBalance
1$8,355$16,486$366,045
2$8,734$16,107$357,311
3$9,131$15,711$348,180
4$9,546$15,296$338,634
5$9,979$14,863$328,655
6$10,432$14,409$318,223
7$10,906$13,936$307,318
8$11,401$13,441$295,917
9$11,918$12,923$283,998
10$12,460$12,382$271,539
11$13,025$11,816$258,513
12$13,617$11,225$244,897
13$14,235$10,606$230,662
14$14,881$9,960$215,780
15$15,557$9,284$200,223
16$16,263$8,578$183,960
17$17,002$7,840$166,958
18$17,774$7,068$149,185
19$18,581$6,261$130,604
20$19,424$5,417$111,179
21$20,306$4,535$90,873
22$21,228$3,613$69,645
23$22,192$2,649$47,453
24$23,200$1,642$24,253
25$24,253$588$0

At the end of your 5-year term

Total paid over the term
$124,207
Principal paid down
$45,745
Interest paid
$78,463
Balance remaining
$328,655

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$1,700/mo
$20,400Gross annual rent
1.6%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.

4.4%
Gross yield
− Property tax $2,639− Condo fees $7,268− Insurance $600− Vacancy & upkeep $2,244Net operating income $7,648

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of FOX MARIN ASSOCIATES LTD.. MLS®/PropTx.

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