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






































1028 - 54 East Liberty Street
Niagara, Toronto
$679,999
Some Homes Make You Feel Like You've Arrived Before You've Even Stepped Inside. This Is One Of Them. Welcome Home To 1028 - 54 East Liberty St, A Rare Townhouse-Loft Tucked Into The Quiet Interior Of One Of Liberty Village's Most Sought-After Addresses. Downtown Energy Is Right At Your Doorstep, Yet Your Front Door Opens Straight Onto Ground Level, So There's No Waiting For The Elevator, Only The Courtyard's Rose Garden And The Neighbourhood Beyond It. Inside, Dramatic Floor-To-Ceiling Windows Draw Natural Light Deep Into The Open-Concept Main Level. Extensively Renovated In 2022 With Over $50,000 Invested, The Home Pairs Warm, Extra-Wide Plank Scandinavian-Inspired Flooring With Smooth Ceilings And Clean, Contemporary Trim. The Redesigned Kitchen Boasts Deep Blue And White Cabinetry, Brushed Gold Hardware, A Subway Tile Backsplash And An Entertainer's Island Topped With Quartz Counters. A Rarely Offered Main-Level Powder Room, Perfect For Hosting. The Upgraded Staircase, With Clear Glass Panels And Sleek Metal Railings, Is Carpet-Free And Sculptural In Its Own Right. Upstairs, The Loft Layout Offers The Bedroom, A Spacious Den, A Full Ensuite Bathroom With An Upgraded Double-Sink Vanity, And In-Suite Laundry, All Freshly Painted In 2026. The Den Adapts To Your Life, Whether That Means A Nursery, A Work-From-Home Office Or A Space Entirely Your Own. Step Outside To Your 150 Sqft Patio Facing The Rose Garden, Complete With A Gas BBQ Hookup. Set Well Back From East Liberty Street And The Rail Corridor, This Is Peaceful City Living, Quiet Enough For A Growing Family. Your Parking Spot Is The First One Inside The Underground Garage, Right Beside The Stair Access. Everything Liberty Village Is Known For Is Steps From Your Door: The TTC, GO, Premium Groceries, Celebrated Restaurants, Boutique Fitness Studios, And Dog-Friendly Parks, With The Waterfront Trails Just A Short Stroll Away. 818 Sqft Per MPAC. Built In 2004. Liberty Village Living At Its Finest.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,481
- Property tax
- $316
- Heat allowance
- $150
- Condo fees, half counted
- $263
- Housing costs
- $4,209 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$130,000
gross annual household income
- Payment at 4%
- $2,862 / mo
- Cash down
- $136,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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