528-109 Front St
Waterfront Communities C8, Toronto, Ontario M5A 4P7
- Bedrooms
- 1
- Bathrooms
- 2
- Size
- 700–799sq ft
- Per sq ft
- $667at the range’s middle
- Tax a year
- $3,2802025 tax year
- Parking
- 11 underground
- Days on market
- Members
The brief
About 528-109 Front St
528-109 Front St is a 1-bedroom, 2-bathroom condo in Waterfront Communities C8, Toronto, listed for sale at an asking price of $499,900 (MLS® C14109854).
Presenting a fantastic opportunity to own a spacious 768 square foot condominium in the highly sought-after St Lawrence Market neighborhood. Tons of natural light pouring in from the open-concept layout that is enhanced by the two storey floor to ceiling windows offering an abundance of natural light throughout the day and inner courtyard tree lined views. The primary bedroom is particularly impressive, featuring a spacious walk-in closet along with ensuite washroom and enough space for a king size bed and office setup. The unit also has a convient main floor powder room and comes with a parking spot and locker. The maintenance fees cover water, heat, and hydro. Residents of this building enjoy easy access to the Garidiner, are within walking distance of the subway and all other Toronto amenities. Move and live in a unit meticulously maintained by its original owners.
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall28/100−$1,104/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 45 condos with 1 bedroom for lease in Waterfront Communities C8 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
- $3,280 / 2025
- MLS® number
- C14109854
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Days on market
- Size
- 700-799 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Community
- Waterfront Communities C8
- Municipality
- Toronto
Building
- Size
- 700-799 sqft
- Construction
- Concrete
Inside
- Bedrooms
- 1
- Bathrooms
- 2
- Bathroom Details
- 1 × 2pc, 1 × 4pc
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Cooling
- Central Air
- Heating Type
- Forced Air
Additional
- Fireplace
- No
- Den
- Yes
- Family room
- Yes
- Extras
- Fridge, Stove, Washer, Dryer, Dishwasher, All ELFs, All Window Coverings
- Condo maint.
- $850
Rooms
Room details unavailable
The listing source did not provide room-level measurements or features.
Listing history
Buy/sell history for 528-109 Front 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 | $499,900 | N/A | For Sale | C14109854 |
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
- $99,980
- Total mortgage amount
- $399,920
- Total interest payment
- $284,380
- Total purchase cost
- $784,280
- Mortgage payment
- $2,281/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
59%Monthly carrying cost
$3,404- Rent $2,300
- Shortfall $1,104
Rental income opens at $2,300, the median asking rent of 45 comparable homes for lease in Waterfront Communities C8. 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
- $6,473
- Toronto municipal land transfer tax
- $6,473
- Total land transfer tax
- $12,946
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $4,471
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 $499,900
- $1,998
- Ontario total
- $6,473
Toronto’s municipal tax uses the same brackets at this price, so it adds another $6,473.
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
- Not found on the Heritage Register
- Not in a mapped Heritage Conservation District
- Not in the mapped ravine protection area
What this means: None of these City records was found at this address. That does not rule out other approvals, such as a conservation authority permit, so check 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
Zone
CR 5.0 (c0.5; r4.5) SS2 (x2529)By-law
569-2013Municipality
Toronto1 5.0
Density: total floor area is capped at 5.0 times the lot area.
2 c0.5
Commercial floor area is capped at 0.5 times the lot area.
3 r4.5
Residential floor area is capped at 4.5 times the lot area.
4 x2529
Site-specific exception 2529: this site has rules of its own, written in the by-law.
5 SS2
Standards set 2: the setback, height and coverage rules the by-law applies to this zone.
6 Where this is written
Chapter 40, section 40.10 of By-law 569-2013 · Exception 900.11.10(2529)
7 What that means in practice
These are the zone’s rules, not permission for this lot. What can be built also depends on the exceptions, overlays and setbacks that apply here. Confirm with the City before you plan.
City of Toronto Zoning By-law 569-2013, read at this address from the City’s zoning map. Open the City’s zoning map. Contains information licensed under the Open Government Licence – Toronto.
Permit history
14 building permits cleared at this address in the City’s file.
Other(BA)Permit Issued
Proposed: Localized concrete repairs and waterproofing with the hydro vault. Localized concrete beam repairs adjacent to the hydro vault.
Issued December 5, 2023
Garage Repair/ReconstructionClosed
Proposed Garage roof slab Re-waterprfing.
Issued December 3, 2020
Sign Building Permit RelatedClosed
To erect and display one illuminated projecting sign displaying static copy on the first storey of the northerly elevation measuring 0.76 m by 0.32 m at a height of 3.05 m. ***PIZZA PIZZA***
Issued November 9, 2018
Garage Repair/ReconstructionClosed
Proposal for localized parking garage repairs to levels P1 and P2 of the existing Condominium.
Issued August 17, 2018
Garage Repair/ReconstructionInspection
Proposal for localized garage repairs and waterproofing on both levels of underground parking garage for existing mixed-use building
Issued April 12, 2013
Building Permit Related(MS)Closed - Dormant
Alter existing h.v.a.c. system on portion of the first floor for dental office. cost incl. 01 - 132451
Issued May 14, 2001
Fixtures/Roof Drains: OtherClosed - Dormant
Install plumbing fixtures on portion of ground floor - unit 10 - Existing Office - 1 Water Closet, 1 Shower and 2 Wash Basin. Cost incl: 01-117474Tenant: Miza Pharmaceutical Inc.
Issued April 23, 2001
Alter: Add on /DuctworkClosed - Dormant
Alter HVAC system on portion of ground floor - unit 10 - Existing OfficeTenant: Miza Pharmaceutical Inc.
Issued April 23, 2001
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.
65 GEORGE STOfficial plan or zoning amendmentAppeal Received
Zoning By-law Amendment application for a 17-storey, 16-unit building at 65 George Street. The first floor of the existing heritage building will be incorporated into the new building. The 4-storey Part IV designated building at 187 King Street East is to be conserved and will continue to be used as commercial space.
140 m away65 GEORGE STSite planUnder Review
Site Plan Approval for a 17-storey, 16-unit building at 65 George Street. The first floor of the existing heritage building will be incorporated into the new building. The 4-storey Part IV designated building at 187 King Street East is to be conserved and will continue to be used as commercial space.
140 m away187 KING ST EOfficial plan or zoning amendmentAppeal Received
Zoning By-law Amendment application for a 17-storey, 16-unit building at 65 George Street. The first floor of the existing heritage building will be incorporated into the new building. The 4-storey Part IV designated building at 187 King Street East is to be conserved and will continue to be used as commercial space.
140 m away187 KING ST ESite planUnder Review
Site Plan Approval for a 17-storey, 16-unit building at 65 George Street. The first floor of the existing heritage building will be incorporated into the new building. The 4-storey Part IV designated building at 187 King Street East is to be conserved and will continue to be used as commercial space.
140 m away61 FRONT ST WSite planUnder Review
The Project includes:· Construction of two new platforms, with canopies, stairs and elevators; and· A new concourse area below the new platforms that will connect the York, Bay and VIA Concourses, Union Square and the Scotiabank Galleria and both York and Bay Streets, including new mechanical, electrical, and communications systems.
250 m away112 ADELAIDE ST EOfficial plan or zoning amendmentOMB Appeal
The application proposes to amend Zoning By-law 569-2013 to permit a 65-storey mixed use building containing 600 residential dwelling units, 330 square metres of office space, and 400 square metres of retail space.
340 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 C8 right now
- For sale now
- 191
- Median asking price
- $589K
- New in 7 days
- 25
- Price cuts
- 20%
Middle half: $500K to $800K
78 in 28 days
38 listings
This home is asking 15% below the median.
See all homes in Waterfront Communities C8Asking 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 |
|---|---|---|
| King Station | TTC subway: Line 1 Yonge-University | 600 m |
| Queen Station | TTC subway: Line 1 Yonge-University | 800 m |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 850 m |
| St Andrew Station | TTC subway: Line 1 Yonge-University | 1.2 km |
| TMU 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 | 200 m | 65%Grade 6 average |
| Market Lane Junior and Senior Public SchoolToronto DSB | Public · grades JK–8 | 500 m | 78%Grade 6 average |
| École élémentaire Gabrielle-RoyConseil scolaire Viamonde | French-language public · grades JK–6 | 800 m | 96%Grade 6 average |
| St Michael's Choir (Jr) SchoolToronto CDSB | Catholic · grades 1–8 · French Immersion | 850 m | 99%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Michael's Choir (Sr) SchoolToronto CDSB | Catholic · grades 9–12 | 850 m | 96%Grade 9 math |
| Inglenook Community SchoolToronto DSB | Public · grades 9–12 | 1.1 km | — |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 1.6 km | 86%Grade 9 math |
| Native Learning CentreToronto DSB | Public · grades 9–12 | 1.7 km | — |
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
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