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$415K · 2 bed Condo Apartment · Puslinch Lake Settlement Areas, Cambridge | MyPropertyScout

$414,700

Unit 601

21OwnerOccupied

Map

Waterfront

$414,700

A●●○○○

Unit 601

170 Water Street · Cambridge · Ontario N1R 3B6

MLS® X12944406 · Puslinch Lake Settlement Areas · N1R 3B6

21OwnerOccupied800-899 ft²Condo Apartment1-car Underground$488/ft²$3,427 tax/yrBuilt 201313 yrs old

10% below market · regional est.

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

About this home

STUNNING CONDO AT WATERSCAPE ON THE GRAND RIVER! This charming 2-bedroom unit is perfectly positioned along the Grand River and just moments from historic Downtown Galt. Park your car in the secure underground garage and step into a lifestyle where everything is within walking distance. Scenic riverfront trails, boutique shops, fine dining, outdoor patios, and more. Designed for modern living, the open-concept layout is ideal for living your best life. Large sliding doors lead to a private, cove…

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Property details

MLS#: X12944406
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 800-899
Style: Bungalow
Type: Condo Apartment
Year built: —

Property features: Greenbelt/Conservation, Hospital, Library, Place Of Worship, Public Transit, River/Stream

Waterfront: Yes
Water view: Direct
Water body: Grand River
Shoreline: Natural
Waterfront features: River Front

Condo corp #: 520
Balcony: Open
Locker: Owned
Association amenities: Exercise Room, Guest Suites, Gym, Party Room/Meeting Room, Rooftop Deck/Garden, Visitor Parking
Fees include: CAC Included, Common Elements Included, Heat Included, Building Insurance Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Stucco (Plaster)
Fronting on: —
Cross street: Water/Ainslie
Basement: None
Stories: 6
Utilities: —
Laundry: In-Suite Laundry
Interior: Primary Bedroom - Main Floor
Parking features: Underground

Rooms

Level	Room	Dimensions
Main	Living Room	3.55m × 3.8m
Main	Kitchen	2.82m × 3.2m
Main	Bedroom	3.53m × 3.46m
Main	Bedroom 2	3.41m × 3.2m
Main	Bathroom	1.65m × 2.4m
Main	Laundry	1m × 2.82m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX REAL ESTATE CENTRE INC.

Source: TRREB/PROPTX · MLS® X12944406

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$415K

Unit 601 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $414,700✓ $3,427 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,240/mo

incl. closing costs (yr 1)

Annual total

$50,882

year 1

Mortgage only

$1,573/mo

principal + interest

Beyond mortgage

$1,811/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$82,940

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$286/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$4,147/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)$63/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,769

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $18,879/yr

Property taxes16% $8,196/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,147/yr

Condo fees18% $9,000/yr

Closing costs10% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,879	$1,573/mo
Government & taxes
Property tax	$3,427	$286/mo
Land transfer tax(closing)	$4,769	$397/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%)	$4,147	$346/mo
Condo fees
Condo / HOA fees	$9,000	$750/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	$50,882	$4,240/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 601

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs