3512-99 Harbour Sq
Waterfront Communities C1, Toronto, Ontario M5J 2H2
- Bedrooms
- 2+1
- Bathrooms
- 2
- Size
- 1,200–1,399sq ft
- Per sq ft
- $953at the range’s middle
- Tax a year
- $5,5932026 tax year
- Parking
- 11 underground
- Days on market
- Members
The brief
About 3512-99 Harbour Sq
3512-99 Harbour Sq is a 2+1-bedroom, 2-bathroom condo in Waterfront Communities C1, Toronto, listed for sale at an asking price of $1,238,000 (MLS® C13709604).
Spectacular Unobstructed Lake & Downtown Views from the 35th Floor!** Welcome to One York Quay, one of Toronto's premier waterfront residences at 99 Harbour Square. This spacious **2-bedroom, 2-bathroom suite** offers a highly desirable **southwest exposure**, featuring breathtaking, unobstructed panoramic views of **Lake Ontario, Toronto Islands and the downtown Toronto skyline** from both the suite and private balcony. Enjoy stunning sunsets, abundant natural light and an exceptional waterfront lifestyle high above the city. The thoughtfully designed layout offers spacious principal rooms, an open-concept living and dining area, well-proportioned bedrooms, two full bathrooms and ample storage. **One parking space and one locker included.** An ideal opportunity for both end users and investors seeking generous living space in one of Toronto's most coveted waterfront locations. Residents enjoy an extraordinary collection of **resort-style amenities**, including 24-hour concierge and security, fitness centre, indoor and outdoor swimming pools, hot tub, sauna, squash/racquetball courts, basketball court, rooftop terrace with BBQ area, Harbour Club restaurant and lounge, party/multipurpose rooms, library, business centre, guest suites, visitor parking, car wash and private shuttle bus service. Perfectly situated along Toronto's waterfront, just steps to **Harbour Square Park, Lake Ontario, waterfront trails, Harbourfront Centre, restaurants, cafés, yacht clubs and Toronto Islands Ferry**. Walk to **Union Station, Financial District, PATH, CN Tower, Rogers Centre, Scotiabank Arena, Ripley's Aquarium and the Entertainment District**. Convenient TTC streetcar service on Queens Quay and easy access to the Gardiner Expressway.**Rarely offered combination of unobstructed southwest lake and downtown views, 35th-floor elevation, private balcony, parking and locker. Experience the very best of Toronto waterfront living at One York Quay!**
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall15/100−$3,450/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 67 condos with 3 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
- $5,593 / 2026
- MLS® number
- C13709604
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Days on market
- Size
- 1200-1399 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Community
- Waterfront Communities C1
- Municipality
- Toronto
Building
- Size
- 1200-1399 sqft
- Construction
- Concrete
Inside
- Bedrooms
- 2+1
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Flat, 1 × 3pc Flat
- 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
- No
- Family room
- No
- Extras
- All Elfs, Stove, Hood, Dishwasher, Fridge, Laundry Washer/Dryer
- Condo maint.
- $1,636
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 5.5 × 5.75 m | W/O To Balcony, Overlook Water, Combined W/Dining | Flat |
| Dining | 5.5 × 5.75 m | Open Concept, Overlook Water, Combined W/Living | Flat |
| Kitchen | 3.08 × 4.31 m | Backsplash, O/Looks Living, Open Concept | Flat |
| Primary | 3.52 × 4.28 m | Double Closet, 4 Pc Ensuite, Large Window | Flat |
| 2nd Br | 3.2 × 4.26 m | Overlook Water, 3 Pc Ensuite, Nw View | Flat |
| Den | 2.36 × 2.65 m | Large Window, W/O To Balcony, Overlook Water | Flat |
Listing history
Buy/sell history for 3512-99 Harbour Sq, 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 | $1,238,000 | N/A | Pc | C13709604 |
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
- $247,600
- Total mortgage amount
- $990,400
- Total interest payment
- $704,000
- Total purchase cost
- $1,942,000
- Mortgage payment
- $5,648/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
69%Monthly carrying cost
$7,750- Rent $4,300
- Shortfall $3,450
Rental income opens at $4,300, the median asking rent of 67 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
- $21,235
- Toronto municipal land transfer tax
- $21,235
- Total land transfer tax
- $42,470
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $33,995
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 $1,238,000
- $16,760
- Ontario total
- $21,235
Toronto’s municipal tax uses the same brackets at this price, so it adds another $21,235.
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 m13 test or monitoring holes also recorded.250 m
- Bedrock about 7 m down nearbyThe middle depth to bedrock in the well records within 500 m.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
- 82 building permits issued within 250 m in the last 2 years250 m
- 1 open development application within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 1.1 km1.1 km
- Mapped parcel: about 89,180 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: 510 m510 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
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Redpath Sugar Ltd — Toronto Refinery, 750 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.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 130 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (130 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.130 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
- 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
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
13 building permits cleared at this address in the City’s file.
Other(PS)Closed
High zone domestic water piping replacement
Issued July 18, 2023
Fire DamageInspection
Proposal for fire damage repairs to unit 3510.
Issued May 14, 2019
Fire DamageInspection
Proposal for fire damage repair to unit 3610.
Issued May 14, 2019
Building Permit Related(PS)Permit Issued
Plumbing - Proposal to construct interior alterations to units 3202 and 3203 including demolish a non-load bearing partition wall between two existing condo units and combine two existing units into one larger unit. Close existing entrance door for existing unit No. 3202. No alternations to existing plumbing connections.
Issued October 3, 2018
Building Permit Related(MS)Permit Issued
HVAC - Proposal to construct interior alterations to units 3202 and 3203 including demolish a non-load bearing partition wall between two existing condo units and combine two existing units into one larger unit. Close existing entrance door for existing unit No. 3202. No alternations to existing plumbing connections.
Issued October 3, 2018
Building Permit Related(PS)Permit Issued
Plumbing - Plumbing interior alterations
Issued September 11, 2018
Interior AlterationsInspection
Proposal to construct interior alterations to units 3202 and 3203 including demolish a non-load bearing partition wall between two existing condo units and combine two existing units into one larger unit. Close existing entrance door for existing unit No. 3202. No alternations to existing plumbing connections.
Issued September 5, 2018
Interior AlterationsPermit Issued
Plumbing interior alterations suite #808
Issued August 21, 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.
200 QUEENS QUAY WCondominiumUnder Review
*** Draft Plan of Condominium for 1482 units.
240 m away60 HARBOUR STSite planUnder Review
Site plan application for a proposed 57-storey non-residential building.
300 m away30 BAY STSite planUnder Review
Site plan application for a proposed 57-storey non-residential building.
330 m away1 YONGE STPlan of subdivisionAmend Drft Plan App
Draft Plan of Subdivision to create two lots separated by a public road (extension of Harbour Street).
550 m away1 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
560 m away1 YONGE STSite planUnder Review
PHASE 3 - This Site Plan Approval application for Phase 3 proposes a 95-storey tower with a gross floor area of 93148sqm.
560 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
- 631
- Median asking price
- $630K
- New in 7 days
- 72
- Price cuts
- 21%
Middle half: $539K to $837K
253 in 28 days
132 listings
This home is asking 97% 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
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 | 700 m |
| St Andrew Station | TTC subway: Line 1 Yonge-University | 1 km |
| King Station | TTC subway: Line 1 Yonge-University | 1.1 km |
| Osgoode Station | TTC subway: Line 1 Yonge-University | 1.4 km |
| Queen Station | TTC subway: Line 1 Yonge-University | 1.5 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 |
|---|---|---|---|
| St Michael Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 1.2 km | 65%Grade 6 average |
| Jean Lumb Public SchoolToronto DSB | Public · grades JK–8 | 1.2 km | 83%Grade 6 average |
| Bishop Macdonell Catholic SchoolToronto CDSB | Catholic · grades JK–8 | 1.2 km | 84%Grade 6 average |
| École élémentaire Gabrielle-RoyConseil scolaire Viamonde | French-language public · grades JK–6 | 2 km | 96%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| City SchoolToronto DSB | Public · grades 9–12 | 1.5 km | — |
| St Michael's Choir (Sr) SchoolToronto CDSB | Catholic · grades 9–12 | 1.8 km | 96%Grade 9 math |
| Heydon Park Secondary SchoolToronto DSB | Public · grades 9–12 | 2.1 km | 8%Grade 9 math |
| Collège français secondaireConseil scolaire Viamonde | French-language public · grades 9–12 | 2.6 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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