MDMoh DianMohammad Hassan Mohammadian · Realtor®
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Original fictional depiction of a remodeled condo room, hardwood floors and approval checklist icon

Toronto & Humber Bay Shores · Resale condo buying and selling

The condo looks beautifully renovated. Were the changes actually approved?

New floors, opened walls and elegant lighting can make a condo feel perfect. Before buying or selling, find out which records the condo corporation, City of Toronto and Electrical Safety Authority may require.

Condo board approvalsSection 98City and ESA permits
Check the evidence before making a decision ↓

A fictional condo showing · One useful question

Those new floors look expensive. Are the records there too?

Imagine walking into a Humber Bay Shores condo with beautiful wood floors, a spacious open-concept kitchen, new recessed lights and a balcony privacy screen. You love the home. The seller proudly explains that a contractor renovated it a few years ago.

Now ask: “Which changes did the condominium actually approve, what did Toronto Building permit, and was the electrical work properly reported?” That question is more useful than assuming either that every upgrade is legal or that an absent document proves wrongdoing.

Condo living adds layers of rules that a detached-house renovation may not have. The interior of the legal unit, building common elements, municipal construction requirements and provincial electrical safety are separate systems. A buyer should not assume that approval from one means approval from all.

One beautiful condo · Two different risks

Buyers need assurance; sellers need a clear evidence file.

Fictional buyer · Humber Bay Shores

The new floors look beautiful. What is missing?

A two-bedroom resale condo has warm engineered wood floors, a modern open kitchen and new recessed lighting. The buyer imagines moving in next month. Then the lawyer asks whether the former owner obtained any building approvals or electrician inspection records. The listing photographs cannot answer that question.

The issue is not whether renovation work is automatically illegal. It is whether the buyer can verify the permissions and inspections actually required for these particular changes.
Fictional seller · Before listing

“We used a contractor. Isn’t the invoice enough?”

The seller paid for new flooring, a kitchen renovation and electrical work years ago. A contractor invoice exists, but the board’s written permissions and any City or ESA records were never assembled in one place. The seller now needs to separate cosmetic changes from work that may have triggered approvals.

A contractor invoice documents a transaction; it does not by itself establish approval by the condominium, the City or the Electrical Safety Authority.

These are fictional educational examples, not accusations about a real condo, building, seller, buyer or contractor.

Five kinds of changes, different approval questions

Do not judge every renovation by the same rule.

The actual scope and the building’s governing documents matter. These examples are prompts for investigation, not a determination that any specific suite has violated a law or condominium rule.

01Often simpler work

Painting, cabinets and cosmetic finishes

Toronto lists cabinetry and millwork among examples that generally do not require a building permit, subject to the actual scope. Condo governing documents and working-hour or contractor rules may still apply. An ordinary cabinet refinish is not a section 98 agreement just because it improves the unit.

02Building rules may matter

Flooring replacement and sound transmission

Many condo corporations have rules about flooring systems, underlay, noise, water protection and construction access. Request the specific corporation’s current rules and proof of any required written approval. The City permit question depends on whether the work also involved structural or other regulated alterations.

03Potential structural or mechanical work

Removing walls, moving plumbing or HVAC

Structural or material alterations and installing or modifying plumbing or heating can require Toronto Building permits and inspections. Verify whether a wall is load-bearing or a fire-separation element through qualified professionals; never infer safety from the appearance of an open-concept room.

04Common elements and exclusive-use areas

Balconies, windows, exterior details or shared piping

Balconies are often exclusive-use common elements, not part of the unit itself. Owner-requested changes to common elements generally engage the board and section 98 agreement process, with responsibilities for future maintenance, insurance and cost allocation.

05Independent electrical safety process

New circuits, recessed lights or other electrical work

Most electrical work requires a notification to Ontario’s Electrical Safety Authority and the relevant inspection process. A City permit or a contractor’s invoice is not a substitute for ESA records. Request any available ESA certificate and ask a qualified professional to evaluate unresolved work.

Interactive buyer and seller checklist · Local-only

What approval evidence does this renovation still need?

Use the private screening tool to identify the next evidence request. It never collects the property address, owner details, permits, photographs or documents, and it cannot certify that work is legal or safe.

Private local-only tool · No address or documents requested

What have you actually checked?

Select the largest or most sensitive type of work first. If several kinds of renovations occurred, repeat the checker for each; different approvals may apply simultaneously.

Next check to complete

First, identify what the renovation actually changed

Photographs and listing descriptions cannot classify renovation work legally. A kitchen remodel may combine cabinetry (possibly permit-free) with electrical circuits or moved plumbing (different rules).

Categories with evidence or verified non-applicability
0 of 7 considered — not an approval, legality or safety score.
Your next action

Ask for the scope, original design and any work permits/approvals. Start with the most significant change and run this screening again for each other kind of work.

Four things that do not substitute for one another

Board approval: your corporation’s governing documents and renovation process

Section 98: owner changes to common elements, with registered agreement where required

City permit: material building, structural, mechanical or plumbing work

ESA record: electrical notification and relevant inspection/acceptance

Educational decision tool only. No entries are saved or sent. This website does not inspect premises, access private municipal or condo records, approve renovations, issue a building permit, certify ESA compliance or determine purchase contract remedies. Condo lawyers, Toronto Building, ESA, the corporation and qualified specialists must verify the particular property and scope.

Seven checks before calling the renovation a selling feature

What a careful buyer should ask—and a good seller should prepare.

01
Start with the facts

Write down what was changed—not only how the condo looks now.

Ask the seller which rooms, floors, pipes, fixtures, walls, electrical circuits, balconies or common-element areas changed, when the work occurred and who performed it. Before/after photos, invoices and plans can help map the scope, but they are not approvals.

02
Condo rules

Read the actual corporation’s declaration, by-laws and renovation policies.

The Condominium Authority of Ontario recommends reviewing each condominium’s governing documents, then speaking with the board or manager about approval procedures. Ask for rules about flooring acoustics, contractor insurance, elevator reservations, working hours and changes to structural, plumbing or common elements.

03
Written corporation response

Request the board approval for the exact renovation, if required.

Ask for the approved scope, plans, dates and any conditions, not just “management knew.” A concierge visit or informal email may not establish that the board granted a formal approval required by the governing documents. Conversely, minor work may not require a board resolution; confirm that from the corporation.

04
Section 98 and unit title

Check whether the change involved common elements.

Ontario Condominium Act section 98 generally governs owner-initiated additions, alterations or improvements to common elements. Where applicable, it requires board approval, a written agreement allocating costs, repair, maintenance and insurance, and registration of that agreement on the unit’s title. A balcony or building exterior change deserves particularly careful classification.

05
Municipal permits

Confirm whether Toronto Building required a permit or final inspections.

The City of Toronto lists material or structural alterations, creating or moving walls and installing/modifying plumbing or heating among common projects requiring a building permit. Some cosmetic work, such as cabinetry and millwork alone, may not. If permits were required, ask for the permit and relevant inspection or completion records.

06
Electrical work

Keep ESA notification and electrical inspection evidence separate.

Ontario’s Electrical Safety Authority says almost all electrical installation work needs a notification, and relevant inspections or certificate records may follow. Ask who did the work, whether the contractor was licensed and what ESA documents exist. A general City building permit is not electrical approval.

07
Transaction decision

Have your lawyer and qualified inspectors resolve what remains unclear.

Your lawyer should review the status certificate, the governing records and any section 98 agreement, potential orders or warranties. An inspector or engineer may need to assess workmanship or structural questions. If records are missing, negotiate an appropriate documentary solution or transaction protections with legal advice before assuming you can close safely.

Three authorities · Three distinct kinds of documentation

The board, Toronto Building and ESA do different jobs.

These responsibilities can overlap within the same renovation project. Always confirm the exact scope rather than assuming there is a single permit that covers everything.

Corporation and Condo Act

Board and section 98

Declaration, by-laws, rules, written approvals, flooring standards and, for common-element changes where required, a section 98 agreement registered on title.

Review CAO renovation guidance ↗
City of Toronto

Building permits and inspections

For regulated structural/material alterations, moved walls, plumbing or similar projects, ask if a City permit and its corresponding inspections were required and completed.

Check Toronto permit rules ↗
Electrical Safety Authority

Electrical notification and inspection

For most electrical installation work, request the ESA notification and any applicable inspection/acceptance record. City approvals and invoices do not replace this system.

Check ESA notifications ↗

A missing record is a reason to investigate, not a guarantee of a breach. Even when a permit was unnecessary, the work may still have needed other approvals; when an approval existed, it does not guarantee quality or future freedom from disputes.

Four assumptions worth correcting

The approval questions that can be missed during a showing.

01

“It passed the home inspection, so all permits exist.”

A condition inspection can reveal physical problems, but its scope does not automatically include retrieving City permit records, board resolutions, registered section 98 agreements or ESA acceptance.

02

“The kitchen is inside my unit, so I can change everything.”

The legal unit boundary, structural and shared services, governing documents and municipal rules determine what needs approval. Moving shared piping or removing an interior wall can be very different from replacing cabinet doors.

03

“The City permit means the condo board approved it.”

Municipal code compliance and corporation permission are separate processes. The reverse is also true: a board permission is not itself a City permit or ESA electrical approval.

04

“There is no section 98 agreement, so all renos were permitted.”

The section 98 agreement addresses changes to common elements. A status certificate can disclose such agreements, but does not certify all private interior renovations, workmanship, municipal permits or electrical notifications.

For resale buyers and condo sellers

Both sides benefit from transparent documentation.

For buyers

Find the approval gaps before committing.

List what changed, verify the corporation rules, obtain necessary board and section 98 records, and check municipal and ESA records relevant to the work. Have your lawyer and qualified inspector explain what remains uncertain before you remove conditions or rely on a firm closing date.

Discuss a Toronto condo purchase →
For sellers

Prepare the renovation evidence before the photography.

Create a one-page renovation history with dates, scope, governing-document approvals, City or ESA records if required, contractors, warranties and any unresolved issues. Avoid claiming “all renovations approved” without supporting records. Your agent and lawyer can help address buyer questions accurately.

Plan your condo sale preparation →

Frequently asked questions

Renovated Toronto condo: board, permit and inspection questions.

Do I need condominium board approval to renovate my Toronto condo?

It depends on the actual renovation and your corporation’s declaration, by-laws and rules. The Condominium Authority recommends reviewing those documents and contacting the condo board before work. Some interior cosmetic work may be simpler; common-element or regulated work may require more formal approvals.

Do all condo renovations need a Toronto building permit?

No. Toronto Building publishes examples of work that requires a permit, such as structural or material changes and installing or changing plumbing, alongside examples such as cabinetry and millwork that generally do not. The specific scope and current rules control.

Is a condo board approval the same as a Toronto building permit?

No. The condo corporation can impose governing-document approval conditions, while Toronto Building administers municipal permit and building-code requirements. Where applicable, both must be addressed; neither automatically substitutes for the other.

What is a section 98 agreement in an Ontario condominium?

Under section 98 of Ontario’s Condominium Act, owners wishing to modify common elements generally need board authorization and a formal agreement with the condo corporation allocating costs, maintenance, repair and insurance duties. The agreement must be registered against title for it to take effect under the statute. Specific conditions and exceptions apply.

Does section 98 apply to every new kitchen or floor inside a condominium?

No. It concerns owner-initiated changes to common elements. A kitchen cabinet replacement wholly inside a legal unit boundary is not automatically a section 98 case. That work may still face corporation policies or municipal permits depending on the scope.

Who owns a Toronto condo balcony?

Balconies are commonly exclusive-use common elements rather than part of the owner’s legal unit, but boundaries must be confirmed from the registered declaration and condominium description. Changing balcony enclosures, surfaces or fixtures can trigger board and section 98 requirements.

Does a seller have to give the buyer condo renovation approvals?

A prudent buyer should request supporting records where work may require approval. The seller’s actual disclosure duties and the parties’ document-delivery obligations depend on the agreement, representations and applicable law. Ask your agent and Ontario lawyer to establish the right requests and conditions.

How do I check if flooring in a condo was approved?

Ask for the corporation’s current flooring/acoustic rules, the board’s written approval if required, approved underlay specifications and any contractor or installation records. There is no universal Ontario-wide acoustic product or approval document that applies identically to every corporation.

Can a previous owner’s unapproved condo renovation affect me after closing?

Potentially, depending on the exact work, governing documents, municipal orders and any registered agreements or enforceable responsibilities. Buyers should have their lawyer review title and the status certificate, request approvals and investigate safety concerns before making firm assumptions about liability or remedy.

What does item 23 on an Ontario condo status certificate disclose?

The prescribed status certificate form has an item addressing owner agreements for common-element changes under section 98 or applicable regulations. If such agreements exist, they may be attached. That does not establish that every interior renovation or municipal permit was checked.

Will a home inspection confirm permits and board consent?

Not necessarily. Physical inspection, permit records, corporation approvals and legal title review are distinct exercises. Confirm each professional’s actual scope and ask for records separately.

What Toronto condo alterations are most likely to need a building permit?

Toronto identifies structural or material changes, adding or removing walls, changes to windows or doors, and installing or modifying plumbing or heating systems as common permit-requiring work. Confirm the specific circumstances with Toronto Building.

Does replacing cabinets or painting require a building permit?

Toronto lists cabinetry and millwork among common examples that do not require a building permit. Painting without other regulated work is generally cosmetic. However, other hidden work in the same project can trigger permits or condo-rule requirements.

Who checks renovated condo electrical work in Ontario?

The Electrical Safety Authority administers notifications and inspections for electrical installation work. Most electrical work requires a notification; the installer must follow the Ontario Electrical Safety Code and the appropriate inspection process. Confirm relevant documents directly with ESA or the contractor.

Can I rely on an electrician’s invoice without ESA records?

An invoice is not evidence of an ESA notification or inspection. Ask about a Licensed Electrical Contractor, the notification and any issued certificate. Not every task has identical notification rules, so verify the actual scope with ESA.

What if the seller cannot find renovation approvals?

Treat the approvals as unverified, not automatically illegal. Ask the condominium, Toronto Building or ESA through authorized channels whether approvals were required and what records exist. Have the lawyer evaluate consequences for the signed agreement and possible further inspections.

Can I cancel a signed condo purchase because renovations were not approved?

Not automatically. Your agreement conditions, representations, material facts and Ontario law control the available remedies. Ask an Ontario real-estate lawyer before missing deadlines, withholding closing funds or assuming a right to cancel.

What should a Toronto condo seller assemble before listing a renovated unit?

A work-scope timeline, condo board permissions and conditions, section 98 agreements where applicable, municipal permit and final inspection records, ESA notification/certificates, licensed contractor invoices and warranties, and an accurate list of any unresolved issues.

What if the floor is noisy for downstairs neighbours?

Condo rules can address flooring, underlay and sound transmission. Ask the corporation for actual flooring approvals and any documented complaints. Do not infer legal noncompliance solely from a neighbour’s concern or from the material appearing in photographs.

Do these renovation rules apply to condos in Mississauga as well?

Ontario’s Condominium Act and CAO guidance are province-wide, but the building permit references in this guide are specifically from the City of Toronto. Mississauga or other municipalities may apply different local procedures; check their permitting authorities.

Official Ontario and Toronto sources · Reviewed October 16, 2026

Ask the right authority—not the listing photographs.

This article explains common Ontario condo renovation and City of Toronto building-permit questions. Exact governing documents, unit boundaries, plans, contractor obligations, inspection records, permit requirements and transaction remedies must be assessed for the specific building and scope. It is not legal, engineering, electrical, inspection or municipal approval advice.

Condominium Authority of Ontario · Condo Renovations ↗The practical order: review governing documents, contact the board, check municipality and plan work respectfully.CAO · Common Elements and Section 98 ↗Exclusive-use common elements, balconies, board authorization and formal change agreements.Ontario · Condominium Act 1998, section 98 ↗Board resolution, agreements allocating repair, maintenance and insurance responsibilities, and registration on title.CAO · Status Certificates ↗Financial and governing-document disclosures and the role of professional legal review for resale buyers.CAO · Official Status Certificate Form (PDF), item 23 ↗The prescribed common-element change agreement disclosure; distinguish it from permits for private interior work.City of Toronto · When Do I Need a Building Permit? ↗Examples of work requiring permits and work that generally does not; municipal determination depends on scope.City of Toronto · Working Without a Permit ↗Potential consequences of unpermitted regulated work and required inspections.Ontario Electrical Safety Authority · Notifications and Inspections ↗Separate electrical notification and inspection process; how to use licensed contractors and retain records.Ontario Electrical Safety Authority · Property Owner Obligations ↗Electrical safety code compliance and record-keeping considerations for renovation work.

Hero: original fictional vector artwork produced by Moheek Core for MohDian.ca. It does not depict a real renovation, building, licensed contractor, municipal approval or third-party listing photograph.

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