295 Mutual Street 4, Toronto C08

$1,399,000
295 Mutual Street 4

$1,399,000

New
2d
Condo Townhouse3-Storey

295 Mutual Street 4, Toronto C08

Total Monthly Obligation $7,659

Beds
3
Baths
3
Park
2
Sqft
1800-1999
DOM
2d
Score
17
Yield
5.2%
Cash on Cash
-5.2%
Cap Rate
3.5%
5Y IRR
11.4%
10Y IRR
11.3%
Property Type-Condo Townhouse
MLS® Number-C14101352
Beds-3
Bathrooms-3
Size-1800-1999 sqft
Listed on site-Oct 21, 2026
Style-3-Storey
Building Type-Condo Townhouse
Taxes-$8,596.59 (2025)
Maintenance-$1,099.77/mo
Locker-Ensuite
Parking-2 - Underground
Basement-Partial Basement
Heating-Forced Air (Gas)
Brokerage-RIGHT AT HOME REALTY
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Exterior-Concrete
Possession-30/60/Flex
Neighbourhood-Church-Yonge Corridor
Title-Residential Condo & Other

No agent assigned

Cool, polished and completely turn-key: a townhome with its own front door in the Radio City enclave, in the heart of downtown. This is almost 2,000 square feet of industrial-chic living across four storeys, with 3 spacious bedrooms and 3 bathrooms. Step inside and the first thing you notice is the style and light. It comes from the east in the morning and the west in the afternoon, and it moves across a concrete feature wall that gives the home its loft attitude. Maple hardwood warms the floors, wood-panel cabinetry in the kitchen and breakfast area, and floor-to-ceiling glass opens the living room to a fenced terrace. It's the kind of outdoor space where a barbecue (gas line installed!) becomes a long dinner, and a long dinner becomes the conversation you remember. A gas fireplace awaits for the first cold week of November. An open staircase with a glass wall carries the light up through every level, so even the upper floors feel bright and open. 2nd floor feature 2 very spacious bedroom, large bath and upper level laundry. The primary retreat is calm and generous, with built-in closets and a 5-piece ensuite, and the bedroom windows look out into trees that turn yellow every October. Then there's the part you'll appreciate every January. Your own private entrance leads to secure underground parking for two cars. No elevator, no waiting, no scraping the windshield. You walk from the car to your living room without ever seeing the weather. Huge lower level storage rooms too! It's a townhome with a front door of its own, and it comes with the amenities at Radio City: gym, party room, guest suites, etc..Step out the front door and the city is yours. Dinner, culture, Loblaws, TMU, the Eaton Centre and transit are all a short walk away, so the best of downtown becomes part of your routine instead of an occasion. Move-in ready. Beautifully designed. A home that feels as good to live in as it looks in the photographs. In the middle of downtown, that's a rare thing.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$1,119,200
Land Transfer Taxes$24,455
Legal Fees (Est.)
$
Total cash required for closing$305,755

Total Monthly Obligation

$7,659/mo
Mortgage $5,643
Monthly Loss $6,174
Principal$1,485
Interest$4,158
Property Tax$716
Condo Fees$1,100
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.7%1
5-Year IRR
8.8%28
10-Year IRR
9.7%
Returns Index
15.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$72,960/yr
NOI
$41,470/yr
Net Cash Flow
-$2,187/mo
Cash Margin
-36.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.617
LTV Ratio
80.0%18
Vacancy Buffer
1.3 mo20
Risk Index
15.1/ 100

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

Comparables

Properties near 295 Mutual Street 4

Time

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