$415K · 2 bed Co-op Apartment · Waterloo

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About this home

The purchase price set out above is net of HST. How HST will be addressed will be determined at the time the Purchaser enters the agreement of purchase and sale, based on the status of the existing and proposed HST Rebates announced by the provincial and federal governments. - Welcome to urban living at its finest! This modern 2-bedroom, 1-bathroom condo with UNDERGROUND PARKING is ideally situated in Uptown Waterloo, placing you steps from everything the city has to offer. Whether you're headin…

Property details

MLS#

X12983870

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

800-899

Style

1 Storey/Apt

Type

Co-op Apartment

Year built

—

Roof: Flat
Foundation: Poured Concrete
Property features: Public Transit, School, Place Of Worship, Hospital, Lake/Pond, Golf

Condo corp #: 773
Balcony: Open
Locker: None
Association amenities: Visitor Parking, Party Room/Meeting Room, Elevator
Fees include: Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: UNION & WEBER
Basement: None
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Built-In Oven
Parking features: —

Level	Room	Dimensions
Main	Primary Bedroom	3.25m × 4.04m
Main	Bedroom	2.92m × 3.63m
Main	Bathroom	1.5m × 2.49m
Main	Kitchen	4.85m × 5.74m
Main	Laundry	2.01m × 3.02m

Level

Room

Dimensions

Main

Primary Bedroom

3.25m × 4.04m

Main

Bedroom

2.92m × 3.63m

Main

Bathroom

1.5m × 2.49m

Main

Kitchen

4.85m × 5.74m

Main

Laundry

2.01m × 3.02m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $414,900✓ $4,250 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,560/mo

incl. closing costs (yr 1)

Annual total

$42,720

year 1

Mortgage only

$1,574/mo

principal + interest

Beyond mortgage

$1,130/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$82,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$354/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%$4,149/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,773

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $18,888/yr

Property taxes21% $9,023/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,149/yr

Closing costs12% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,888	$1,574/mo
Government & taxes
Property tax	$4,250	$354/mo
Land transfer tax(closing)	$4,773	$398/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%)	$4,149	$346/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	$42,720	$3,560/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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