$612K · 2+1 bed Condo Apartment · Waterloo

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About this home

Welcome to Suite 1214 at Circa 1877 a rarely offered corner suite that blends modern luxury with the energy of Uptown Waterloo. This spacious 2-bedroom + den, 2-bath condo offers 1,100 sq ft of carpet-free living, plus a 280 sq ft wraparound balcony with panoramic city views.Flooded with natural light, the open-concept design features wide-plank laminate flooring, Lutron dimmable lighting, roller shades, and 9-foot ceilings. The sleek kitchen showcases quartz counters, subway tile backsplash, hi…

Property details

MLS#

X12983136

Status

Buy Now

Beds

2+1

Baths

2 full, 0 half

Size

1000-1199

Style

Apartment

Type

Condo Apartment

Year built

—

Property features: Hospital, Library, Park, Public Transit, Rec./Commun.Centre

Condo corp #: 714
Balcony: Open
Locker: None
Association amenities: Exercise Room, Guest Suites, Outdoor Pool, Rooftop Deck/Garden, Visitor Parking
Fees include: Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Ground Source
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete
Fronting on: —
Cross street: King and Allen
Basement: None
Stories: 12
Utilities: —
Laundry: Ensuite
Interior: None
Parking features: Underground

Level	Room	Dimensions
Main	Kitchen	2.62m × 3.3m
Main	Living Room	6.04m × 3.37m
Main	Dining Room	6.04m × 3.37m
Main	Primary Bedroom	3.91m × 4.6m
Main	Bedroom 2	3.91m × 3.07m
Main	Den	2.82m × 2.36m

Level

Room

Dimensions

Main

Kitchen

2.62m × 3.3m

Main

Living Room

6.04m × 3.37m

Main

Dining Room

6.04m × 3.37m

Main

Primary Bedroom

3.91m × 4.6m

Main

Bedroom 2

3.91m × 3.07m

Main

Den

2.82m × 2.36m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $612,000✓ $5,435 tax✓ Ground Source✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,910/mo

incl. closing costs (yr 1)

Annual total

$70,918

year 1

Mortgage only

$2,322/mo

principal + interest

Beyond mortgage

$2,404/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$122,400

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$453/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo · assumes gas heat

Ground Source$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%$6,120/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)$84/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,715

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $27,861/yr

Property taxes20% $14,150/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,120/yr

Condo fees17% $12,128/yr

Closing costs7% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,861	$2,322/mo
Government & taxes
Property tax	$5,435	$453/mo
Land transfer tax(closing)	$8,715	$726/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Ground Source	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,120	$510/mo
Condo fees
Condo / HOA fees	$12,128	$1,011/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	$70,918	$5,910/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 1214

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