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$589K · 2 bed Condo Townhouse · Waterloo | MyPropertyScout

$589,000

Unit 43

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$589,000

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Unit 43

99 Roger Street · Waterloo · Ontario N2J 1A4

MLS® X12881640 · N2J 1A4

22TenantOccupied1000-1199 ft²Condo Townhouse1-car Built-In$536/ft²$292 tax/yrBuilt 20233 yrs old

2% below market · regional est.

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

About this home

2 bedrooms 2 washrooms townhouse (End Unit) lots of Sunlight. Great investment as well as good opportunity for young couples. Low maintenance fee. Attached garage, 2 Car Parking. Very Bright spacious unit. Private Terrace. Quartz Countertop. Upgraded Kitchen cabinets. Minutes from University of Waterloo And Wilfred Laurier University, Google HQ, LRT Train, Grand River Hospital

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Property details

MLS#: X12881640
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1000-1199
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Property features: Greenbelt/Conservation, Hospital, Library, Park, Public Transit, River/Stream

Condo corp #: 333
Balcony: Terrace
Locker: None
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Built-In
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Stucco (Plaster)
Fronting on: —
Cross street: ROGER ST & MOORE AVE S
Basement: Other
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Air Exchanger, Water Heater
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	3.35m × 3.38m
Main	Kitchen	2.19m × 3.99m
Main	Dining Room	3.02m × 3.99m
Main	Bedroom 2	2.74m × 3.08m
Main	Bathroom	2.74m × 3.08m
Lower	Primary Bedroom	3.08m × 3.99m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX REALTY SERVICES INC.

Source: TRREB/PROPTX · MLS® X12881640

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$589K

Unit 43 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $589,000✓ $292 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,605/mo

incl. closing costs (yr 1)

Annual total

$55,265

year 1

Mortgage only

$2,234/mo

principal + interest

Beyond mortgage

$1,225/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$117,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$24/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$5,890/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)$23/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $26,814/yr

Property taxes15% $8,547/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,890/yr

Condo fees6% $3,355/yr

Closing costs9% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,814	$2,234/mo
Government & taxes
Property tax	$292	$24/mo
Land transfer tax(closing)	$8,255	$688/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%)	$5,890	$491/mo
Condo fees
Condo / HOA fees	$3,355	$280/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	$55,265	$4,605/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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Unit 43

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs