21 Earl Street, Toronto, ON

$549,900
MLS#:C13154012
1 beds
1 baths
900-999 sqft
Residential Condo & Other
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Property Highlights

Welcome to this remarkable Loft condo townhouse located in the coveted neighborhood of North St. James Town. Expertly crafted featuring premium stucco (plaster) construction, this residence presents an exceptional opportunity offered at $549,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 1 Bedroom and 1 Bathroom
  • Generous living space spanning 900-999 sqft
  • 0.0 total parking spaces available with a convenient underground configuration
  • Notable attributes: None
  • equipped with wall unit(s) central cooling and highly efficient forced air heating via electric

Description

Experience the perfect blend of industrial character and modern luxury at Earl Lofts, a boutique gated community offering a rare, low-rise alternative to the typical downtown condo. This smartly designed two-storey residence features dramatic 17-foot ceilings and massive south-facing windows that flood the open-concept living space with natural light. The main level is built for effortless entertaining, centered around a modern updated kitchen with granite countertops, stainless steel appliances, and a cozy gas fireplace that leads to a private balcony with south views. The second level serves as a serene retreat, boasting a spacious primary bedroom with an open concept design to let the breeze flow through. Tucked away on a quiet, tree-lined cul-de-sac just steps from Jarvis and Bloor, this sun-drenched sanctuary provides an artful opulence with unbeatable access to the subway, Eataly, and the Rosedale Valley trails. With lower maintenance fees and no busy elevators to navigate, this unique oasis delivers both tranquility and urban convenience in one of the city's most coveted pockets.

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Key Features

Bedrooms
1
Bathrooms
1
Kitchens
1
Living Area
900-999 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
Listed Date5/21/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Townhouse
Architectural StyleLoft
ConstructionStucco (Plaster)
BasementNone
CountyToronto
Annual Tax$2,541.27

Parking & Garage

Parking Spaces0.0
Garage TypeUnderground

Heating & Cooling

Heat SourceElectric
Heat TypeForced Air
CoolingWall Unit(s)

Features

Property Features

Interior Features

None

Security Features

Community Features

Location

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21 Earl Street, Toronto, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 21 Earl Street 314, Toronto C08, ON M4Y 3C8

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Toronto.

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Interest Rate5.25%
Down Payment$29,990 (5.5%)
* Minimum Canadian down payment required for this price is $29,990.
Amortization Period25 Years
Estimated Monthly Payment$3,098Based on a loan of $519,910 over 25 years.
Purchase Price$549,900
Loan Amount$519,910
Provincial Land Transfer Tax:$7,473
Toronto Municipal Land Transfer Tax:$7,473
Total Estimated Closing Taxes:$14,946

About Purchasing a Home in Toronto, ON

For a property listed at $549,900 in Toronto, the legal minimum down payment is $29,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $7,473 for this transaction. Since the property is located in Toronto, a municipal land transfer tax of $7,473 also applies, bringing the total estimated land transfer taxes to $14,946.

Nearby Listings

Distance:

No current listings found in Toronto.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for North St. James Town, Toronto.

Verified Local Data
City Population2,794,356
City Median Age39.2 Yrs
City Ownership48% Owners
Avg Area List Price$726,572

People & Families

Age Distribution

Household Composition

One-person households
32%
Families with children
36%
Couples without children
24%
Other households
8%

Top Ethnic Origins

Chinese11%
English9%
Canadian8%
East Indian8%

Local Schools Guide

Elementary Schools

Kane
Public56, Toronto, Ontario, M4Y 2T6
4.9
Church Street
Public83 Alexander Street, Toronto, Ontario, M4Y 1B7
4.8
St Joseph
Public74 Wellesley Street West, Toronto, Ontario, M5S 1C4
4.9
Our Lady of Lourdes
Public444 Sherbourne Street, Toronto, Ontario, M4X 1K2
6.5
Jesse Ketchum
Public61 Davenport Road, Toronto, Ontario, M5R 1H4
7.3

Secondary Schools

Jarvis
Public495 Jarvis Street, Toronto, Ontario, M4Y 2G8
4.1
St. Joseph’s
Catholic74 Wellesley Street West, Toronto, Ontario, M5S 1C4
7.2
Collège Français
Public100 Carlton Street, Toronto, Ontario, M5B 1M3
9.0
Rosedale Heights-Arts
Public711 Bloor Street East, Toronto, Ontario, M4W 1J4
8.0

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied48%
Rented52%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.