For SaleCondo Apt · ApartmentMLS® #C14180526 · TRREB MLS®
440-109 Front St, Toronto, Ontario
Waterfront Communities C8, Toronto, Ontario M5A 4P7
- Bathrooms
- 1
- Type
- Condo Apt
- Basement
- None
$419,900
Estimated market value
About 440-109 Front St
440-109 Front St is a 1-bathroom condo in Waterfront Communities C8, Toronto, listed for sale at an asking price of $419,900 (MLS® C14180526).
INCOME IN PLACE OR MOVE IN ANYTIME. ALL-INCLUSIVE UTILITIES. FANTASTIC DOWNTOWN OLD TORONTO LOCATION. Hydro, heat, water and AC are all included in $353.72/month. Right across from the historic St. Lawrence Market in the Esplanade neighbourhood, New Times Square is one of Old Toronto's best-kept secrets: an established, well-run building with a balanced mix of owners and tenants. Well-proportioned suites like this are increasingly hard to find. The square layout lets you use every inch of space, with real closets, a proper 4-piece bath with actual counter space, ensuite laundry and bright, sun-filled west-facing light. Head up to the rooftop garden for BBQs and views of the lake and skyline, host friends in the party room on the same floor, and let the 24-hour concierge handle your packages. Cross the street Saturday morning for fresh bread, local produce and flowers after a run or bike ride on the waterfront, then walk to the game, the theatre or any of the restaurants that remind you why you chose this city. Shoppers and grocers are a hop, skip and a jump away, along with charming little eateries and independent businesses in a neighbourhood that blends old with new. With the City's street work now complete, the Esplanade's parks are being revitalized, and St. James Park just up the street offers lovely gardens and music in the park. A short walk to Union Station for the subway, GO, VIA, UP Express and the Billy Bishop shuttle; just minutes to the future Distillery station on the Ontario Line, and minutes from the Gardiner and DVP. Currently tenanted at $2,180/month (incl. internet) until July 27, 2027. Collect rent while you plan, or move in yourself, as the tenant is willing to vacate early if needed. Everything you need at an affordable price, with nothing you don't. Perfect for first-time buyers, students, down-sizers wanting to stay close to excellent hospitals, a long-term hold or a pied-à-terre that beats paying for hotels or someone else's mortgage.
Insights
Condition Score
Fair4 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $1,825 / 2025
- MLS® number
- C14180526
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Building Age
- 16-30
- Days on market
- Size
- 0-499 sqft
- Listed on
- Parking
- Underground, 0 Parking
Listing history
Buy/sell history for 440-109 Front St, Toronto, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
Dates and closing prices are shown to signed-in members.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date Start— | — | $419,900 | — | For Sale | C14180526 |
Members see the full history. Prices are hidden from signed-out visitors.
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 Domin Kurian for a full comparative market analysis.
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Community
- Waterfront Communities C8
- Municipality
- Toronto
Building
- Size
- 0-499 sqft
- Building Age
- 16-30
- Construction
- Brick
Inside
- 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
- Fridge, stove, dishwasher, and (new) front-loading washer and dryer. All electrical light fixtures and window coverings. Furniture included as-is, where-is: bed with storage, 3 dressers, sofa, 2 bar stools and TV.
- Condo maint.
- $354
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 1.6 × 2.31 m | Breakfast Bar | Flat |
| Living | 10.01 × 17.59 m | Open Concept, Combined W/Living, Large Window | Flat |
Map and tour
Condos for sale in Waterfront Communities C8 right now
- For sale now
- 190
- Median asking price
- $589K
Middle half: $500K to $764K
This home is asking 29% below the median, lower than three quarters of them.
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.
Signals around this home
Changing nearby. 6 open development applications on this home’s street within 800 m.
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 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 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 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.
Land transfer tax on this home
- Ontario land transfer tax
- $4,873
- Toronto municipal land transfer tax
- $4,873
- Total land transfer tax
- $9,746
- First-time buyer rebates (Ontario up to $4,000 + Toronto up to $4,475)
- −$8,475
- Total for first-time buyers
- $1,271
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 $419,900
- $398
- Ontario total
- $4,873
Toronto’s municipal tax uses the same brackets at this price, so it adds another $4,873.
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
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.
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 areaChecked at the listing’s mapped point, not across the whole lot.At the address
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m28 test or monitoring holes also recorded.250 m
- Groundwater recorded about 2.4 m below ground nearbyThe middle water level in the well records within 500 m (303 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 areasChecked at the listing’s mapped point, not across the whole lot.At the address
- 75 building permits issued within 250 m in the last 2 years250 m
- 4 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 2.4 km2.4 km
- Mapped parcel: about 22,600 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 · City of Toronto property boundaries
Around the home3
- Nearest rail line: 310 m310 m
- A trail or path within 1 km1 km
- At least 11 licensed child care centres within 1 kmFrom Ontario’s list of licensed child care centres. It does not show available spaces, fees or waiting lists.1 km
Province of Ontario open data · Provincial and municipal trail maps
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, 760 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.1 km
- 1 federal contaminated site 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 this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (20 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- 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, Routcom, 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 Authority or 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.
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
Alter: Add on /DuctworkClosed - Dormant
Alter HVAC system on portion of ground floor - unit 10 - Existing OfficeTenant: Miza Pharmaceutical Inc.
Issued April 23, 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
City of Toronto Open Data — cleared building permits, which begin in 2017. Contains information licensed under the Open Government Licence – Toronto.
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.
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.
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.
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.
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
- $83,980
- Total mortgage amount
- $335,920
- Total interest payment
- $238,880
- Total purchase cost
- $658,780
- Mortgage payment
- $1,916/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$2,422- Rent $0
- Shortfall $2,422
Rental income starts at $0: enter the rent you expect. This is a planning tool, not advice.
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