5102- 45 Charles Street, Toronto C08
Toronto C08
$699,000
Cash flow, cap rate & mortgage breakdown
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Listed by BAY STREET GROUP INC.
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,150/mo
Estimated from market price-to-rent ratios
Remarks
Executive Penthouse-Level Living at Chaz Yorkville! This premium 2-bedroom, 2-bathroom suite features soaring 10-ft floor-to-ceiling windows with breathtaking southwest views of the city skyline and Lake Ontario. The modern open-concept kitchen flows seamlessly into the spacious living area and extends to a generous private balcony, perfect for relaxing or entertaining. Enjoy exceptional 5-star amenities, including a 24-hour concierge, fully equipped fitness centre, business centre, pet spa, and the spectacular two-storey Chaz Club Lounge. Ideally located just steps to the subway, University of Toronto, Yorkville's luxury boutiques, and world-class dining. Freshly painted (2026) with upgraded kitchen cabinets and bathroom vanities (2026). Rare offering includes 1 parking space and 2 lockers!
MississaugaInvestor.ca
5102- 45 Charles Street
Condo Apartment · 2bd/2ba · ~750 sqft
$699,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.92%
Monthly Cash Flow
-$2,682/mo
Estimated Rent
$2,150/mo
Cash-on-Cash
-21%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,150 |
| Mortgage | −$3,217 |
| Property Tax | −$553 |
| Insurance | −$225 |
| Condo Fee | −$729 |
| Vacancy (5%) | −$108 |
| Cash Flow | -$2,682/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$25,800 |
| Vacancy (5%) | −$1,290 |
| Property Tax | −$6,641 |
| Insurance | −$2,700 |
| Condo Fee | −$8,748 |
| Annual NOI | $6,421 |
| Cap Rate | 0.92% |
Cash Required to Close
| Down Payment (20%) | $139,800 |
| Ontario Land Transfer Tax | $10,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $153,255 |
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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