Toronto uses the [Deep Lake Water Cooling System](https://en.wikipedia.org/wiki/Deep_Lake_Water_Cooling_System) to extract "cold" from lake water before it is treated and used for drinking water.
Takes a little load off the water heater I do have to admit. Unless you have a heat-pump based system, which is the trend…
Edit: looks like a bit of both? See pg. 6:
https://www.toronto.ca/wp-content/uploads/2020/05/963d-ppfa-...
Though the city drinking water is pulled from deeper out so probably that supply is cooler to begin with:
https://www.toronto.ca/wp-content/uploads/2020/05/963d-ppfa-...