1215-44 St Joseph St
Bay Street Corridor, Toronto, Ontario M4Y 2W4
- Bedrooms
- 1+1
- Bathrooms
- 1
- Size
- 700–799sq ft
- Per sq ft
- $700at the range’s middle
- Tax a year
- $2,9932026 tax year
- Parking
- 0underground
- Days on market
- Members
The brief
About 1215-44 St Joseph St
1215-44 St Joseph St is a 1+1-bedroom, 1-bathroom condo in Bay Street Corridor, Toronto, listed for sale at an asking price of $525,000 (MLS® C13848930).
1+1 Bedroom Suite At Polo Club II Featuring A Beautiful Northwest View Of Church & U Of T Grounds. Approx. 721 Sq Ft With A Bright Solarium, Spacious Layout, Kitchen With Full-Size Appliances, Large Bath W/ Double Entry & Separate Shower. Includes In-Suite Laundry, Central AC, Heat, Hydro, Water, Cable TV & Internet. Steps To Yorkville, U Of T, Hospitals & TTC. Building Amenities Include 24 Hr Concierge, Outdoor Pool, BBQ Area, Terrace & Great Facilities.
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even47/100−$442/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 106 condos with 2 bedrooms for lease in Bay Street Corridor 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
- $2,993 / 2026
- MLS® number
- C13848930
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Days on market
- Size
- 700-799 sqft
- Listed on
- Parking
- Underground, 0 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Community
- Bay Street Corridor
- Municipality
- Toronto
Building
- Size
- 700-799 sqft
- Construction
- Concrete
Inside
- Bedrooms
- 1+1
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc Flat
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Additional Parking
- 0
- Total Parking
- 0
Utilities
- Cooling
- Central Air
- Heating Type
- Forced Air
Additional
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- All Utilities Included. Fridge, Stove, Built-In Dishwasher, Washer & Dryer, All Light Fixtures and Existing Window Coverings. Hydro, Water, Cable & Internet Included In The Maintenance Fee.
- Condo maint.
- $797
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.14 × 5.48 m | Combined W/Dining, Nw View | Ground |
| Kitchen | 2.75 × 2.25 m | Galley Kitchen, Breakfast Bar | Ground |
| Solarium | 3.2 × 2.43 m | Laminate, Nw View | Ground |
| Primary | 4.31 × 3.04 m | Laminate, Double Closet, Nw View | Ground |
Listing history
Buy/sell history for 1215-44 St Joseph 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 | $525,000 | N/A | For Sale | C13848930 |
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
- $105,000
- Total mortgage amount
- $420,000
- Total interest payment
- $298,800
- Total purchase cost
- $823,800
- Mortgage payment
- $2,396/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
35%Monthly carrying cost
$3,442- Rent $3,000
- Shortfall $442
Rental income opens at $3,000, the median asking rent of 106 comparable homes for lease in Bay Street Corridor. 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
- $6,975
- Toronto municipal land transfer tax
- $6,975
- Total land transfer tax
- $13,950
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $5,475
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 $525,000
- $2,500
- Ontario total
- $6,975
Toronto’s municipal tax uses the same brackets at this price, so it adds another $6,975.
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
CR 6.0 (c1.0; r6.0) SS1 (x2453)By-law
569-2013Municipality
Toronto1 6.0
Density: total floor area is capped at 6.0 times the lot area.
2 c1.0
Commercial floor area is capped at 1.0 times the lot area.
3 r6.0
Residential floor area is capped at 6.0 times the lot area.
4 x2453
Site-specific exception 2453: this site has rules of its own, written in the by-law.
5 SS1
Standards set 1: 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(2453)
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
10 building permits cleared at this address in the City’s file.
Building Permit Related(PS)Closed
Revision - new shower plumbing to be connected to existing bathtub.Plumbing - Interior alterations to unit 2410, new kitchen and washroom layout and alter existing bedroom to create new study room
Issued July 26, 2023
Building Permit Related(MS)Closed
HVAC - Interior alterations to unit 2410, new kitchen and washroom layout and alter existing bedroom to create new study room
Issued June 22, 2023
Interior AlterationsClosed
Interior alterations to unit 2410, new kitchen and washroom layout and alter existing bedroom to create new study room
Issued June 6, 2023
Interior AlterationsPermit Issued
PROPOSED: interior alteration of an existing condo unit - add wall partitions to create a new room.
Issued January 31, 2023
Interior AlterationsInspection
Creation of door opening through concrete shearwall to connect units 1514 and 1513
Issued July 19, 2021
Garage Repair/ReconstructionPermit Issued
Proposed garage concrete slab repairs. Also includes waterproofing repairs, and removal and replacement of ramp topping and heating cables.
Issued August 2, 2019
Building Permit Related(PS)Inspection
Plumbing - INTERIOR RENOVATIONS IN UNIT 2803
Issued March 27, 2018
Building Permit Related(MS)Closed
Hvac - interior renovations in unit 2803
Issued March 9, 2018
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.
1075 BAY STSite planUnder Review
Site Plan application for a 59-storey mixed-use building containing commercial space on the first and second floor, office space on the 3rd to 10th floor, and 540 residential units in the tower above. A 265 square metre privately-owned publicly accessible space (POPS) is proposed on Inkerman Street as well as a midblock pedestrian walkway between St. Mary Street and Inkerman Street. A total of 161 parking spaces and 605 bicycle parking spaces are proposed to support the new development.
140 m away1075 BAY STCondominiumUnder Review
*** Draft Plan of Condominium for 540 units.
140 m away25 ST MARY STPlan of subdivisionUnder Review
Draft Plan of Subdivision to create 2 development blocks.
160 m away25 ST MARY STSite planUnder Review
Site Plan Approval for two mixed-use towers having heights of 54 and 59-storeys.
160 m away4 IRWIN AVESite planUnder Review
Site Plan Approval for a 75-storey mixed-use building that contains a total of 548 dwelling units and a total gross floor area (GFA) of approximately 44,565 square metres, including approximately 44,065 squares metres of residential space and approximately 500 square metres of retail/commercial space, resulting in an overall density of 33.0 FSI.
180 m away646 YONGE STSite planUnder Review
Site Plan Approval for a 75-storey mixed-use building that contains a total of 548 dwelling units and a total gross floor area (GFA) of approximately 44,565 square metres, including approximately 44,065 squares metres of residential space and approximately 500 square metres of retail/commercial space, resulting in an overall density of 33.0 FSI.
190 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 Bay Street Corridor right now
- For sale now
- 177
- Median asking price
- $658K
- New in 7 days
- 22
- Price cuts
- 21%
Middle half: $520K to $899K
71 in 28 days
37 listings
This home is asking 20% below the median.
See all homes in Bay Street CorridorAsking 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 |
|---|---|---|
| Wellesley Station | TTC subway: Line 1 Yonge-University | 350 m |
| Museum Station | TTC subway: Line 1 Yonge-University | 500 m |
| Bay Station | TTC subway: Line 2 Bloor-Danforth | 500 m |
| Union Station | TTC subway: Line 1 Yonge-UniversityGO Transit train: Barrie, Kitchener, Lakeshore East, Lakeshore West, Milton, Richmond Hill, StouffvilleUP Express train | 2.4 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 |
|---|---|---|---|
| Church Street Junior Public SchoolToronto DSB | Public · grades JK–6 | 750 m | 72%Grade 6 average |
| Jesse Ketchum Junior and Senior Public SchoolToronto DSB | Public · grades JK–8 | 850 m | 89%Grade 6 average |
| Our Lady of Lourdes Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 1.1 km | 66%Grade 6 average |
| École élémentaire Gabrielle-RoyConseil scolaire Viamonde | French-language public · grades JK–6 | 1.6 km | 96%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Joseph's College SchoolToronto CDSB | Catholic · grades 9–12 | 200 m | 66%Grade 9 math |
| Native Learning CentreToronto DSB | Public · grades 9–12 | 700 m | — |
| Jarvis Collegiate InstituteToronto DSB | Public · grades 9–12 | 850 m | 34%Grade 9 math |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 900 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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