103-20 Stewart St
Waterfront Communities C1, Toronto, Ontario M5V 1H6
- Bedrooms
- 1+1
- Bathrooms
- 1
- Size
- 700–799sq ft
- Per sq ft
- $1,241at the range’s middle
- Tax a year
- $3,3902026 tax year
- Built
- 16-30
- Parking
- 0none
- Days on market
- Members
The brief
About 103-20 Stewart St
103-20 Stewart St is a 1+1-bedroom, 1-bathroom condo in Waterfront Communities C1, Toronto, listed for sale at an asking price of $929,900 (MLS® C13838936).
A unique live-work opportunity at Twenty Stewart Lofts in the heart of King West, offering the flexibility of residential living or professional use with private street-level access directly from Stewart Street. Beautifully finished throughout, this contemporary loft features warm white oak flooring, 11-foot exposed concrete ceilings, expansive windows, and thoughtfully designed custom millwork offering exceptional storage. The kitchen features premium European integrated appliances, an oversized island with a beverage fridge, book-matched marble, and custom shelving. A beautifully appointed bathroom and separate den. Enjoy a spacious terrace for entertaining. Steps from King West's celebrated restaurants, cafés, boutiques, and vibrant 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
Shortfall18/100−$2,156/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 289 condos with 2 bedrooms 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
- $3,390 / 2026
- MLS® number
- C13838936
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Building Age
- 16-30
- Days on market
- Size
- 700-799 sqft
- Listed on
- Parking
- None, 0 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Loft
- Community
- Waterfront Communities C1
- Municipality
- Toronto
Building
- Size
- 700-799 sqft
- Building Age
- 16-30
- Construction
- Brick
Inside
- Bedrooms
- 1+1
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc Main
- 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 Appliances; Fridge, Oven, Cooktop, Hood-Fan, Dishwasher, Stacked Full-Size Washer/Dryer, All Custom Blinds, All Electric Light Fixtures, Built-In Media Unit, 75" Television Living Room, 65" Television Bedroom, Locker.
- Condo maint.
- $630
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Primary | 2.64 × 3.56 m | hardwood floor, Double Closet | Main |
| Den | 3.23 × 1.96 m | hardwood floor, B/I Closet, B/I Desk | Main |
| Dining | 2.39 × 2.59 m | Hardwood Floor | Main |
| Living | 3.61 × 5.51 m | Hardwood Floor | Main |
| Kitchen | 3.23 × 4.52 m | Centre Island, hardwood floor | Main |
Listing history
Buy/sell history for 103-20 Stewart 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 | $929,900 | N/A | For Sale | C13838936 |
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
- $185,980
- Total mortgage amount
- $743,920
- Total interest payment
- $528,980
- Total purchase cost
- $1,458,880
- Mortgage payment
- $4,243/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
61%Monthly carrying cost
$5,156- Rent $3,000
- Shortfall $2,156
Rental income opens at $3,000, the median asking rent of 289 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
- $15,073
- Toronto municipal land transfer tax
- $15,073
- Total land transfer tax
- $30,146
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $21,671
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 $929,900
- $10,598
- Ontario total
- $15,073
Toronto’s municipal tax uses the same brackets at this price, so it adds another $15,073.
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
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation4
- Not in Toronto and Region Conservation Authority’s mapped regulated areaAt the address
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m147 test or monitoring holes also recorded.250 m
- Groundwater recorded about 3 m below ground nearbyThe middle water level in the well records within 500 m (588 records). It changes with the season and from spot to spot.500 m
Toronto and Region Conservation Authority · Province of Ontario open data
Planning and building activity5
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- 123 building permits issued within 250 m in the last 2 years250 m
- 28 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 1.2 km1.2 km
- Mapped parcel: about 12,370 sq ftMeasured from the municipal parcel map, which can differ from the survey and from the lot size in the listing.At the address
Province of Ontario open data · Municipal building permits · Municipal development applications · toronto.parcels
Around the home2
- Nearest rail line: 310 m310 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Enwave Energy Corporation — Pearl Street Steam Plant, 1.3 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 2 federal contaminated sites within 1 kmAll of them are closed. The federal inventory covers federal land only, not provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Toronto Hydro-Electric System LimitedAt the address
- Wired internet 50/10 Mbps or faster is listed at a household 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Beanfield Metroconnect, Bell, CIK Telecom, Dotto One, FibreStream, Rally, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Rogers, SkyChoice Communications. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Toronto and Region Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario. Contains information licensed under the Open Government Licence – Toronto. Contains information made available under the Toronto and Region Conservation Authority Open Data Licence v1.0.
Heritage and ravine protection
- On the Heritage Register — Part V, by-law 1120-2024
- In the King-Spadina Heritage Conservation District, by-law 1111-2017
- 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
Zone
CRE (x1)By-law
569-2013Municipality
Toronto1 x1
Site-specific exception 1: this site has rules of its own, written in the by-law.
2 Where this is written
Chapter 50, section 50.10 of By-law 569-2013 · Exception 900.12.10(1)
3 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
5 building permits cleared at this address in the City’s file.
Building Permit Related(PS)Closed
Plumbing - Proposal for interior alterations
Issued January 23, 2023
Building Permit Related(MS)Closed
HVAC - Proposal for interior alterations
Issued January 23, 2023
Interior AlterationsClosed
Proposal for interior alterations
Issued January 11, 2023
Electromagnetic LocksClosed
Proposal to install 1 maglocks on ground floor to stairwell for existing residential condo
Issued July 13, 2021
Backflow Prevention Devices (Water only)Closed
Proposal to install 1 backflow prevention device in an existing 9 storey apartment building.
Issued February 18, 2010
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.
71 PORTLAND STSite planUnder Review
Proposed mixed-use building containing 1,058 units, 23-storey and 27-storey towers atop a nine-storey base building.
80 m away71 PORTLAND STSite planUnder Review
Proposed 40-storey, 123 metre, mixed-use building containing 413 residential units.
80 m away582 KING ST WSite planUnder Review
INACTIVE This site plan application is being reviewed concurrently with the application to amend the zoning bylaw (file No. 17 215103 STE 20 OZ) recently approved in principle by the Ontario Land Tribunal. The applications propose to redevelop the site with a non-residential building with a height of 10 storeys fronting King Street West (43.45 metres including the mechanical penthouse) and 12 storeys fronting Adelaide Street West and Portland Street (51.95 metres including the mechanical penthouse). The heritage buildings on the site will be conserved and incorporated into the development.
140 m away663 KING ST WSite planUnder Review
Ontario Line King-Bathurst
150 m away662 KING ST WSite planUnder Review
Ontario Line King-Bathurst
150 m away539 KING ST WCondominiumUnder Review
Draft Plan of Standard Condominium for 439 units.
170 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
- 634
- Median asking price
- $630K
- New in 7 days
- 75
- Price cuts
- 21%
Middle half: $539K to $834K
256 in 28 days
132 listings
This home is asking 48% above the median, higher 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
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St Andrew Station | TTC subway: Line 1 Yonge-University | 1.3 km |
| Osgoode Station | TTC subway: Line 1 Yonge-University | 1.4 km |
| St Patrick Station | TTC subway: Line 1 Yonge-University | 1.6 km |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 1.7 km |
| Exhibition GO | GO Transit train: Lakeshore West | 1.7 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 Mary Catholic SchoolToronto CDSB | Catholic · grades JK–8 · French Immersion | 400 m | 75%Grade 6 average |
| Niagara Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 650 m | 95%Grade 6 average |
| Bishop Macdonell Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 700 m | 84%Grade 6 average |
| École élémentaire Pierre-Elliott-TrudeauConseil scolaire Viamonde | French-language public · grades JK–6 | 1.5 km | 94%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| City SchoolToronto DSB | Public · grades 9–12 | 900 m | — |
| Heydon Park Secondary SchoolToronto DSB | Public · grades 9–12 | 1.3 km | 8%Grade 9 math |
| Msgr Fraser College (Southwest)Toronto CDSB | Catholic · grades 9–12 | 1.7 km | — |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 2.8 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
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Sold prices in Waterfront Communities C1 are shown to signed-in members.