$515K · 3+1 bed Condo Townhouse · Kitchener

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About this home

Traditional condo-town located in the heart of Waterloo steps to top rated schools, parks, conservation, public transit, Golf, shopping; short drive to Universities & Downtown Waterloo tech hub! * Easy access to Hwy 401 making commute a breeze* Offering this sought-after end-unit, neighbor only on one side, offering 3+1beds, 2 baths approx 1300sqft AG with a full finished bsmt. Calling all first time home owners or investors looking to purchase PRIME real estate. Ideal for growing families. *New…

Property details

MLS#

X12716918

Status

Buy Now

Beds

3+1

Baths

2 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Condo Townhouse

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Cul de Sac/Dead End, Fenced Yard, Greenbelt/Conservation, Park, School, Public Transit

View: Clear, Garden, Panoramic, Park/Greenbelt, Trees/Woods

Condo corp #: 138
Balcony: None
Locker: Ensuite
Fees include: Parking Included, Building Insurance Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding · Controlled Entry, Landscaped, Patio, Porch, Privacy, Recreational Area
Fronting on: —
Cross street: Victoria St S/ Westmount Rd
Basement: Full, Finished
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Guest Accommodations, In-Law Capability, Storage
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Foyer	4.48m × 2.09m
Main	Kitchen	2.74m × 3.12m
Main	Living Room	3.66m × 3.77m
Main	Dining Room	3.67m × 2.55m
Second	Primary Bedroom	3.95m × 5.53m
Second	Bedroom 2	3.66m × 3.17m
Second	Bedroom 3	3.66m × 3.05m
Basement	Recreation	6.03m × 6.32m
Basement	Utility Room	2.02m × 2.17m
Basement	Laundry	3.35m × 3.12m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $514,900✓ $2,482 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,542/mo

incl. closing costs (yr 1)

Annual total

$54,504

year 1

Mortgage only

$1,953/mo

principal + interest

Beyond mortgage

$1,566/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$102,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$207/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$5,149/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$42/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,773

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $23,440/yr

Property taxes17% $9,255/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,149/yr

Condo fees11% $6,000/yr

Closing costs9% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$23,440	$1,953/mo
Government & taxes
Property tax	$2,482	$207/mo
Land transfer tax(closing)	$6,773	$564/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,149	$429/mo
Condo fees
Condo / HOA fees	$6,000	$500/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$54,504	$4,542/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Property details

Rooms

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Annual costs