$585K · 3 bed Common Element Condo · Waterloo

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About this home

Welcome to this beautifully maintained 3-bedroom, 2.5-bathroom townhome located in the highly desirable Beechwood community of Waterloo. Nestled in a quiet, family-friendly complex, this spacious home offers the perfect blend of comfort, convenience, and value. Step inside to a bright and inviting main floor featuring a spacious foyer, convenient 2-piece powder room, and a well-designed layout ideal for everyday living. The formal living room is filled with natural light and features sliding doo…

Property details

MLS#

X13056140

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Common Element Condo

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Golf, Park, Place Of Worship, Library, Public Transit, Rec./Commun.Centre

Fireplaces: 1
Fireplace features: Natural Gas, Rec Room

Building name: Westgate Manor
Condo corp #: 229
Balcony: None
Locker: None
Fees include: Building Insurance Included, Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick Front, Vinyl Siding · Deck, Landscaped
Fronting on: —
Cross street: Columbia Street West
Basement: Full, Finished
Stories: 1
Utilities: —
Laundry: In-Suite Laundry, Laundry Room
Interior: Auto Garage Door Remote, Water Softener, Storage, Sump Pump
Parking features: Private, Inside Entry

Rooms

Level	Room	Dimensions
Main	Living Room	3.3m × 4.5m
Main	Kitchen	2.45m × 2.83m
Main	Dining Room	2.4m × 2.78m
Main	Bathroom	1.02m × 2.03m
Second	Bedroom 2	3.07m × 4.43m
Second	Bedroom 3	2.83m × 3.37m
Second	Primary Bedroom	3.07m × 4.78m
Second	Bathroom	2.67m × 3.26m
Basement	Recreation	5.68m × 4.31m
Basement	Bathroom	2.33m × 1.8m
Basement	Laundry	2.5m × 1.99m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $585,000✓ $3,384 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,788/mo

incl. closing costs (yr 1)

Annual total

$57,461

year 1

Mortgage only

$2,219/mo

principal + interest

Beyond mortgage

$1,430/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$117,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$282/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$5,850/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)$19/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,175

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $26,632/yr

Property taxes20% $11,559/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,850/yr

Condo fees5% $2,760/yr

Closing costs9% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,632	$2,219/mo
Government & taxes
Property tax	$3,384	$282/mo
Land transfer tax(closing)	$8,175	$681/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%)	$5,850	$488/mo
Condo fees
Condo / HOA fees	$2,760	$230/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	$57,461	$4,788/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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Property details

Rooms

Sales History

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Annual costs