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$600K · 3+1 bed Condo Townhouse · Waterloo | MyPropertyScout

$599,800

338 Albert

3+13TenantOccupied

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$599,800

F●●○○○

338 Albert

Waterloo · Ontario N2L 3T8

MLS® X12858490 · N2L 3T8

3+13TenantOccupied1600-1799 ft²Condo Townhouse1-car Surface$353/ft²$5,024 tax/yr

12% above market · regional est.

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Experience the perfect blend of modern comfort and exceptional investment value in this spacious upper-level stacked condo at Ivy Towns 3 by IN8 Developments. Offering 1,777 sq. ft. across two thoughtfully designed levels, this 3-bedroom, 3-bathroom home features durable porcelain and laminate flooring, a bright open-concept living and dining area, and a stylish kitchen with stainless steel appliances and granite countertops. A versatile den-easily used as a fourth bedroom-adds valuable flexibil…

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Property details

MLS#: X12858490
Status: Buy Now
Beds: 3+1
Baths: 3 full, 0 half
Size: 1600-1799
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Condo corp #: 647
Balcony: Open
Locker: None
Fees include: Common Elements Included, Building Insurance Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Surface
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Columbia St West/ Albert St/ University Ave
Basement: Full
Stories: 2
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Kitchen	2.29m × 4.9m
Main	Living Room	3.29m × 4.9m
Main	Dining Room	2.75m × 4.9m
Second	Den	4.49m × 2.91m
Second	Bedroom	2.8m × 3.78m
Second	Bedroom	3.77m × 3.7m
Second	Bedroom	3.76m × 2.91m
Second	Study	4.47m × 2.91m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX ALL-STARS REALTY INC.

Source: TRREB/PROPTX · MLS® X12858490

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$600K

338 Albert · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $599,800✓ $5,024 tax✓ Gas✓ 1600-1799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,406/mo

incl. closing costs (yr 1)

Annual total

$64,869

year 1

Mortgage only

$2,275/mo

principal + interest

Beyond mortgage

$1,966/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$119,960

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$419/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,700 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%$5,998/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)$51/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,471

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $27,305/yr

Property taxes21% $13,495/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $5,998/yr

Condo fees11% $7,410/yr

Closing costs8% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,305	$2,275/mo
Government & taxes
Property tax	$5,024	$419/mo
Land transfer tax(closing)	$8,471	$706/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%)	$5,998	$500/mo
Condo fees
Condo / HOA fees	$7,410	$618/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	$64,869	$5,406/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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338 Albert

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs