| Water Included | |
| Common Elements Included | |
| Parking Included | |
| Building Insurance Included |




































615 - 320 Richmond Street E
Moss Park, Toronto
$598,800
Welcome to The Modern, where contemporary style meets downtown convenience. This beautifully renovated 825 sq. ft. split 2-bedroom, 2-bathroom corner suite features floor-to-ceiling windows, a French balcony, and a 45 sq. ft. west- and north-facing balcony with unobstructed views. The bright, open-concept living and dining area is complemented by a custom kitchen with a movable centre island, brand-new appliances, and built-in water filtration. Thoughtful upgrades include fresh paint (2026), new flooring (2025), and a newer washer and dryer (2024). The spacious primary bedroom features floor-to-ceiling windows, his-and-hers closets, and a luxurious ensuite complete with a heated Jacuzzi tub with LED lighting, Italian tile, and a smart LED mirror with Bluetooth. The second bedroom offers a custom built-in office and Murphy bed, making it ideal for guests or working from home. Custom closet organizers throughout provide exceptional storage. Includes one underground parking space and two lockers, one of which is the largest in the building. Both lockers are conveniently located on the same floor. Enjoy an impressive selection of amenities, including 24-hour concierge, a full-sized gym, yoga room, sauna, steam room, and a spectacular rooftop terrace featuring a swim spa, hot tub, BBQs, and panoramic skyline views. Additional amenities include a party room, movie room, billiards, guest suites, bike storage, and visitor parking. Perfectly situated in the heart of downtown, just steps to King and Queen streetcars and a short walk to Queen subway station. Enjoy easy access to St. Lawrence Market, the Distillery District, Financial District, restaurants, shopping, and universities, with convenient access to the DVP and Gardiner. Future Ontario Line stations will further enhance connectivity and accessibility in this already exceptional location.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,065
- Property tax
- $301
- Heat allowance
- $150
- Condo fees, half counted
- $395
- Housing costs
- $3,910 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$120,000
gross annual household income
- Payment at 4%
- $2,520 / mo
- Cash down
- $119,760
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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