21 Earl Street 323, Toronto C08

$495,000
21 Earl Street 323

$495,000

New
4d
Condo ApartmentLoft

21 Earl Street 323, Toronto C08

Total Monthly Obligation $3,033

Beds
1
Baths
1
Park
0
Sqft
500-599
DOM
4d
Score
18
Yield
5.7%
Cash on Cash
-5.5%
Cap Rate
3.4%
5Y IRR
11.2%
10Y IRR
11.2%
Property Type-Condo Apartment
MLS® Number-C14095342
Beds-1
Bathrooms-1
Size-500-599 sqft
Listed on site-Oct 19, 2026
Style-Loft
Building Type-Condo Apartment
Age-16-30
Taxes-$2,440.05 (2026)
Maintenance-$632.94/mo
Locker-None
Parking-None
Basement-None
Heating-Forced Air (Gas)
Brokerage-EXP REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Exterior-Concrete, Stucco (Plaster)
Possession-60/90/Flexible
Neighbourhood-North St. James Town
Title-Residential Condo & Other

No agent assigned

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.

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$396,000
Land Transfer Taxes$6,375
Legal Fees (Est.)
$
Total cash required for closing$106,875

Total Monthly Obligation

$3,033/mo
Mortgage $1,997
Monthly Loss $2,508
Principal$525
Interest$1,471
Property Tax$203
Condo Fees$633
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
2.6%16
Cash-on-Cash
-10.2%1
5-Year IRR
7.8%22
10-Year IRR
9.0%
Returns Index
12.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$28,332/yr
NOI
$13,063/yr
Net Cash Flow
-$908/mo
Cash Margin
-38.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.556
LTV Ratio
80.0%18
Vacancy Buffer
3.2 mo53
Risk Index
25.8/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 21 Earl Street 323

Time

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Data last updated within the past 24 hours.