2004-11 Charlotte Street, Toronto, ON
Waterfront Communities C1, Toronto · MLS® C14031312
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About this home
In short
- Welcome to 11 Charlotte - Where Downtown Living Meets Standout Style.
- Residents enjoy fantastic amenities, including a rooftop pool, party room, fitness centre, and bike storage, plus the convenience of your own private locker.
Welcome to 11 Charlotte - Where Downtown Living Meets Standout Style! Forget the cookie-cutter condo; this one-bedroom suite offers character, thoughtful design, and an outdoor space that truly sets it apart. The showstopper? An oversized north-facing balcony spanning the entire width of the unit, complete with unobstructed city views and a gas line for effortless outdoor entertaining. Inside, floor-to-ceiling windows flood the space with natural light, creating an airy, open feel, while exposed concrete walls and ceilings add an edgy, loft-inspired aesthetic that stands out from the ordinary. The well-designed bedroom features its own floor-to-ceiling windows, a generous closet, and dedicated space for a desk or work-from-home setup. Lovingly owner-occupied and meticulously cared for over the years. Residents enjoy fantastic amenities, including a rooftop pool, party room, fitness centre, and bike storage, plus the convenience of your own private locker. Tucked away on quiet Charlotte Street, you're just steps from the energy of King West, two blocks from Queen West, and surrounded by Toronto's best restaurants, nightlife, cafés, and shopping. With the King streetcar nearby and easy access to the Gardner, getting around the city is a breeze. A rare combination of character, outdoor space, and unbeatable downtown convenience - move in and make it yours! ***** Artificial Intelligence Notice: Users are advised that certain graphical assets and rendered images across this platform are generated, in whole or in part, utilizing artificial intelligence****
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- C14031312
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 0-499 sq ft
- Cross streets
- KING & SPADINA
- Parking
- 0 parking
- Basement
- None
- Heating
- Heat Pump
- A/C
- Central Air
- Exterior
- Concrete
- Maintenance
- $530/mo
- Exposure
- North
- Property tax
- $2,375 / 2025
- Days on market
- 4
- Listing brokerage
- KELLER WILLIAMS REFERRED URBAN PIERRE CARAPETIAN G
Rooms
window floor to ceiling · centre island · combined w/dining
Open Concept
window floor to ceiling · w/o to balcony
window floor to ceiling · closet
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 Ogden Junior 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 19, 2026); conventional rates run a little higher.
Mortgage amount $319,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,769
- Property tax
- $198
- Condo / maintenance fees
- $530
- Heating
- $0
- Estimated monthly cost
- $2,497
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $4,474
- Toronto municipal land transfer tax
- $4,474
- Estimated closing costs
- $8,947
Plus your down payment of $79,980. 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
- $106,134
- Principal paid down
- $39,088
- Interest paid
- $67,045
- Balance remaining
- $280,832
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 KELLER WILLIAMS REFERRED URBAN PIERRE CARAPETIAN G. MLS®/PropTx.