
223- 5 St. Joseph Street, Toronto C01
Toronto C01
$649,000
Cash flow, cap rate & mortgage breakdown
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Listed by SKYBOUND REALTY
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
1
Bathrooms
1
Days on Market
17
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$1,800/mo
Estimated from market price-to-rent ratios
Remarks
This one truly stands apart. Recognizing the rarity of this opportunity during the pre-construction phase, the original and current owner chose to become part of the award-winning FIVE Condos development, captivated by the meticulous restoration of 19th century commercial structures on Yonge St. Nestled within a heritage portion of the building, this exceptional two-storey loft offers an intimate boutique lifestyle with just 14 units, its own private entrance, and full access to the concierge and premium amenities at 5 St. Joseph St. Rich in character and thoughtfully customized throughout, the loft showcases expansive and functional double hung windows, designed to compliment the building's historic architecture, exposed brick, soaring cathedral ceilings in the living room, 5" reclaimed hemlock barn board engineered flooring. Custom walnut cabinetry on the main level is complemented by a natural quartz bar top with LED under-lighting, while the kitchen features granite countertops and integrated appliances. Dimmable LED accent lighting highlights the exposed brick throughout, a striking Artemide architectural uplight serves as a dramatic focal point beneath the soaring ceilings. Saunter up the natural stained oak staircase to the upper-level bedroom, where the heritage character continues with exposed brick, matching reclaimed flooring, custom designed white oak cabinetry with integrated drawers, closet featuring LED hanger bar lighting and a remote-controlled custom bedroom blackout shade for added comfort. Perfectly positioned in the heart of the Bay St Corridor, St. Joseph St. offers a unique blend of historic charm and urban convenience. A short 2 min walk to the subway, Bloor St., Yorkville, shops, restaurants and cultural attractions all just moments away. 1 Parking and 2 lockers. This is a must see!
MississaugaInvestor.ca
223- 5 St. Joseph Street
Condo Apartment · 1bd/1ba · ~550 sqft
$649,000
Cash-Flow Report · August 1, 2026
Cap Rate
0.7%
Monthly Cash Flow
-$2,610/mo
Estimated Rent
$1,800/mo
Cash-on-Cash
-22.02%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$1,800 |
| Mortgage | −$2,987 |
| Property Tax | −$514 |
| Insurance | −$225 |
| Condo Fee | −$594 |
| Vacancy (5%) | −$90 |
| Cash Flow | -$2,610/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$21,600 |
| Vacancy (5%) | −$1,080 |
| Property Tax | −$6,166 |
| Insurance | −$2,700 |
| Condo Fee | −$7,128 |
| Annual NOI | $4,526 |
| Cap Rate | 0.7% |
Cash Required to Close
| Down Payment (20%) | $129,800 |
| Ontario Land Transfer Tax | $9,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $142,255 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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