- Bedrooms
- 1
- Bathrooms
- 1
- Size
- 500–599sq ft
- Per sq ft
- $901at the range’s middle
- Tax a year
- $2,4402026 tax year
- Built
- 16-30
- Parking
- 0none
- Days on market
- Members
The brief
About 323-21 Earl St
323-21 Earl St is a 1-bedroom, 1-bathroom condo in North St. James Town, Toronto, listed for sale at an asking price of $495,000 (MLS® C14095342).
Earl Lofts is a gated, low-rise condominium on a quiet, tree-lined street near Jarvis and Bloor. This 1 bedroom loft has 17-foot ceilings and a grand two-storey south-facing window that fills the open-concept living space with natural light throughout the day, and the light carries up to the bedroom. The kitchen peninsula looks over the living area, so cooking, dining, and entertaining all share the same bright room. A small south-facing balcony adds a spot for fresh air. Convenient transportation and great restaurants nearby.
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall38/100−$695/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 11 condos with 1 bedroom for lease in North St. James Town 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
- $2,440 / 2026
- MLS® number
- C14095342
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Building Age
- 16-30
- Days on market
- Size
- 500-599 sqft
- Listed on
- Parking
- None, 0 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Loft
- Community
- North St. James Town
- Municipality
- Toronto
Building
- Size
- 500-599 sqft
- Building Age
- 16-30
- Construction
- Concrete
Inside
- Bedrooms
- 1
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc 2nd
- 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
- Yes
- Family room
- Yes
- Extras
- Stainless steel: Stove, fridge, microwave, dishwasher. Washer and dryer.
- Condo maint.
- $633
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.1 × 4.0 m | Stainless Steel Appl | Main |
| Family | 2.5 × 2.7 m | W/O To Balcony | Main |
| Dining | 2.5 × 3.0 m | — | Main |
| Br | 2.85 × 3.9 m | 4 Pc Ensuite | 2nd |
Listing history
Buy/sell history for 323-21 Earl 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 | $495,000 | N/A | For Sale | C14095342 |
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
- $99,000
- Total mortgage amount
- $396,000
- Total interest payment
- $281,700
- Total purchase cost
- $776,700
- Mortgage payment
- $2,259/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
45%Monthly carrying cost
$3,095- Rent $2,400
- Shortfall $695
Rental income opens at $2,400, the median asking rent of 11 comparable homes for lease in North St. James Town. 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
- $6,375
- Toronto municipal land transfer tax
- $6,375
- Total land transfer tax
- $12,750
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $4,275
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 $495,000
- $1,900
- Ontario total
- $6,375
Toronto’s municipal tax uses the same brackets at this price, so it adds another $6,375.
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 Yossi Kaplan, MBA, Salesperson 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
R (d2.0) (x187)By-law
569-2013Municipality
Toronto1 d2.0
Density: floor area is capped at 2.0 times the lot area.
2 x187
Site-specific exception 187: this site has rules of its own, written in the by-law.
3 Where this is written
Chapter 10, section 10.10 of By-law 569-2013 · Exception 900.2.10(187)
4 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
1 building permit cleared at this address in the City’s file.
Other(BA)Inspection
Exterior stairs replacement and associated exterior insulating finishing system (EIFS).
Issued September 12, 2023
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.
4 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
60 m away6 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
70 m away8 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
70 m away2 EARL STSite planUnder Review
Site Plan Application to permit a 63-storey residential building including a total of 50,580.8 square metres of residential gross floor area which will result in a total of 730 total dwelling units.The proposal includes two (2) residential visitor parking spaces and zero (0) residential spaces.
70 m away120 EARL PLOfficial plan or zoning amendmentAppeal Received
Proposed 58-storey residential building containing 818 dwelling units (including 31 rental replacement units) and 96.8 square metres of retail space on the ground floor.
70 m away120 EARL PLSite planAppeal Received
Site Plan Control application for a 58-storey residential building containing 818 dwelling units (including 31 rental replacement units) and 96.8 square metres of retail space on the ground floor.
70 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 North St. James Town right now
- For sale now
- 40
- Median asking price
- $659K
- New in 7 days
- 2
- Price cuts
- 15%
Middle half: $527K to $798K
14 in 28 days
6 listings
This home is asking 25% below the median, lower than three quarters of them.
See all homes in North St. James TownAsking 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 |
|---|---|---|
| Sherbourne Station | TTC subway: Line 2 Bloor-Danforth | 450 m |
| Wellesley Station | TTC subway: Line 1 Yonge-University | 550 m |
| Bloor-Yonge Station | TTC subway: Line 1 Yonge-University, Line 2 Bloor-Danforth | 800 m |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 2.5 km |
| Eglinton Station | TTC subway: Line 1 Yonge-UniversityTTC light rail: Line 5 Eglinton | 4.5 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 |
|---|---|---|---|
| Our Lady of Lourdes Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 300 m | 66%Grade 6 average |
| Rose Avenue Junior Public SchoolToronto DSB | Public · grades JK–6 | 450 m | 49%Grade 6 average |
| Church Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 500 m | 72%Grade 6 average |
| École élémentaire Gabrielle-RoyConseil scolaire Viamonde | French-language public · grades JK–6 | 1.3 km | 96%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Msgr Fraser College (Isabella Campus)Toronto CDSB | Catholic · grades 9–12 | 200 m | — |
| Jarvis Collegiate InstituteToronto DSB | Public · grades 9–12 | 250 m | 34%Grade 9 math |
| Native Learning CentreToronto DSB | Public · grades 9–12 | 500 m | — |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 600 m | 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
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Sold prices in North St. James Town are shown to signed-in members.