3405-100 Harbour St
Waterfront Communities C1, Toronto, Ontario M5J 0B5
- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 500–599sq ft
- Per sq ft
- $963at the range’s middle
- Tax a year
- $2,9262025 tax year
- Parking
- 0none
- Days on market
- Members
The brief
About 3405-100 Harbour St
3405-100 Harbour St is a 1-bedroom, 1-bathroom condo in Waterfront Communities C1, Toronto, listed for sale at an asking price of $529,000 (MLS® C13779584).
Bright and spacious high-floor suite featuring a functional open-concept layout with floor-to-ceiling windows and impressive city views. Modern kitchen with stainless steel appliances, generous counter space and ample cabinetry, seamlessly connecting to the living and dining area. Well-sized bedroom with excellent natural light and closet space.Ideally located in Toronto's vibrant waterfront and financial district, just steps to Union Station, PATH access, Scotiabank Arena, Rogers Centre, Harbourfront, restaurants, shopping and everyday conveniences. Easy access to the Gardiner Expressway, waterfront trails and Billy Bishop Airport. Excellent building amenities complete this convenient downtown lifestyle.
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall32/100−$947/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 187 condos with 1 bedroom for lease in Waterfront Communities C1 right now. Cost of owning counts the mortgage, property tax and the condo fee.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $2,926 / 2025
- MLS® number
- C13779584
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Days on market
- Size
- 500-599 sqft
- Listed on
- Parking
- None, 0 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Community
- Waterfront Communities C1
- Municipality
- Toronto
Building
- Size
- 500-599 sqft
- Construction
- Concrete
Inside
- Bedrooms
- 1
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc Flat
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- None
- Additional Parking
- 0
- Total Parking
- 0
Utilities
- Cooling
- Central Air
- Heating Type
- Forced Air
Additional
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- All S/S Appliances: Stove, Fridge, B/I Dishwasher, B/I Microwave; Washer & Dryer; All Existing Window Blinds; All Elf
- Condo maint.
- $689
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.33 × 6.76 m | Laminate, Combined W/Dining, W/O To Balcony | Flat |
| Dining | 3.33 × 6.76 m | Laminate, Combined W/Living, Open Concept | Flat |
| Kitchen | 3.33 × 6.76 m | B/I Appliances, Modern Kitchen, Centre Island | Flat |
| Primary | 2.85 × 3.23 m | Laminate, Large Closet, Window Flr to Ceil | Flat |
Listing history
Buy/sell history for 3405-100 Harbour St, Toronto, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $529,000 | N/A | For Sale | C13779584 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $105,800
- Total mortgage amount
- $423,200
- Total interest payment
- $301,000
- Total purchase cost
- $830,000
- Mortgage payment
- $2,414/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
51%Monthly carrying cost
$3,347- Rent $2,400
- Shortfall $947
Rental income opens at $2,400, the median asking rent of 187 comparable homes for lease in Waterfront Communities C1. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $7,055
- Toronto municipal land transfer tax
- $7,055
- Total land transfer tax
- $14,110
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $5,635
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $529,000
- $2,580
- Ontario total
- $7,055
Toronto’s municipal tax uses the same brackets at this price, so it adds another $7,055.
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Heritage and ravine protection
- On the Heritage Register — Part V, by-law 634-2006
- In the Union Station Heritage Conservation District, by-law 634-2006
- Not in the mapped ravine protection area
What this means: Changes outside the house, and tree removal, may need the City’s review on top of the usual permits. Ask the City before you plan work.
City of Toronto Heritage Register, Heritage Conservation Districts and the Ravine and Natural Feature Protection by-law, read at this address from the City’s maps. Contains information licensed under the Open Government Licence – Toronto.
Zoning
By-law
See Former City of Toronto By-Law No. 438-86What this means:the City’s 2013 zoning by-law does not cover this land, so the former municipality’s by-law still sets what may be built. Confirm the rules with the City before you plan.
City of Toronto zoning map, read at this address. Open the City’s zoning map. Contains information licensed under the Open Government Licence – Toronto.
Permit history
34 building permits cleared at this address in the City’s file.
Building Permit Related(MS)Permit Issued
HVAC - Proposal for interior alterations fit-out for LIFELABS Medical Lab. Unit 301.
Issued July 16, 2026
Interior AlterationsPermit Issued
Proposal for interior alterations fit-out for LIFELABS Medical Lab within existing Health One Unit. - Single tenancy.
Issued July 16, 2026
Building Permit Related(PS)Permit Issued
Plumbing - Proposal for interior alterations fit-out for LIFELABS Medical Lab. Unit 301.
Issued July 16, 2026
Building Permit Related(MS)Inspection
HVAC - Proposal for interior alterations, tenant fit up for existing food court restaurant
Issued April 22, 2026
Building Permit Related(PS)Inspection
Plumbing - Proposal for interior alterations, tenant fit up for existing food court restaurant
Issued April 22, 2026
Interior AlterationsInspection
Proposal for interior alterations, tenant fit up for existing food court restaurant
Issued April 22, 2026
Building Permit Related(PS)Inspection
Plumbing - Proposal for interior alterations to existing offices on the third level.
Issued February 10, 2026
Building Permit Related(MS)Inspection
HVAC - Proposal for interior alterations to existing offices on the third level.
Issued February 10, 2026
City of Toronto Open Data — cleared building permits, which begin in 2017. Contains information licensed under the Open Government Licence – Toronto.
Signals around this home
Changing nearby. 6 open development applications within 800 m of this home.
60 HARBOUR STSite planUnder Review
Site plan application for a proposed 57-storey non-residential building.
80 m away30 BAY STSite planUnder Review
Site plan application for a proposed 57-storey non-residential building.
130 m away200 QUEENS QUAY WCondominiumUnder Review
*** Draft Plan of Condominium for 1482 units.
240 m away7 YONGE STPlan of subdivisionAmend Drft Plan App
Draft Plan of Subdivision to create two lots separated by a public road (extension of Harbour Street).
430 m away7 YONGE STSite planUnder Review
Site Plan Approval for Phase 4 & 5 of the One Yonge Development, consisting of two non-residential towers having heights of 22 and 40-storeys, respectively. There is an associated Official Plan and and Zoning By-law amendment application to revise the approved OPA and ZBA as it relates to the southerly parcel (phase 4 and 5) to allow for the inclusion of a hotel use within Phase 4 of the redevelopment, as well as changes to the proposal including the addition of a pedestrian bridge between Towers 4 and 5. application 20 152435 STE 10 OZ
430 m away141 BAY STSite planUnder Review
Site Plan Control applicaiton to permit two towers on top of the existing heritage designated Dominion Public Building. A total gross floor area (GFA) of 89,058 square metres is proposed, consisting of 408 residential units, 253 hotel rooms, 5,082 square metres of retail and 36,022 square metres of office.
440 m away
City of Toronto Open Data — Development Applications and Building Permits (cleared permits since 2017). An application is a proposal: it may change, be refused or never be built. Contains information licensed under the Open Government Licence – Toronto.
The market
Condos for sale in Waterfront Communities C1 right now
- For sale now
- 632
- Median asking price
- $629K
- New in 7 days
- 66
- Price cuts
- 21%
Middle half: $539K to $838K
249 in 28 days
133 listings
This home is asking 16% below the median, lower than three quarters of them.
See all homes in Waterfront Communities C1Asking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 400 m |
| St Andrew Station | TTC subway: Line 1 Yonge-University | 800 m |
| King Station | TTC subway: Line 1 Yonge-University | 800 m |
| Osgoode Station | TTC subway: Line 1 Yonge-University | 1.2 km |
| Queen Station | TTC subway: Line 1 Yonge-University | 1.2 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: TTC schedule data (GTFS) from the Toronto Transit Commission under the Open Government Licence – Toronto; GO Transit and UP Express schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Contains information licensed under the Open Government Licence – Toronto. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Michael Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 1 km | 65%Grade 6 average |
| Bishop Macdonell Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 1.2 km | 84%Grade 6 average |
| Jean Lumb Public SchoolToronto DSB | Public · grades JK–8 | 1.3 km | 83%Grade 6 average |
| École élémentaire Gabrielle-RoyConseil scolaire Viamonde | French-language public · grades JK–6 | 1.7 km | 96%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Michael's Choir (Sr) SchoolToronto CDSB | Catholic · grades 9–12 | 1.5 km | 96%Grade 9 math |
| City SchoolToronto DSB | Public · grades 9–12 | 1.6 km | — |
| Heydon Park Secondary SchoolToronto DSB | Public · grades 9–12 | 1.9 km | 8%Grade 9 math |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 2.3 km | 86%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
Similar Active Listings
Recently sold nearby
Sold prices in Waterfront Communities C1 are shown to signed-in members.