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$370K · 1 bed Condo Apartment · Waterloo | MyPropertyScout

$369,900

Unit 514

11TenantOccupied

Map

$369,900

A●●○○○

Unit 514

280 Lester Street · Waterloo · Ontario N2L 0G2

MLS® X13071664 · N2L 0G2

11TenantOccupied500-599 ft²Condo Apartment1-car Underground$673/ft²$3,236 tax/yrBuilt 20188 yrs old

13% below market · regional est.

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

About this home

Rare-Find! Spacious 549 Sqft Furnished 1 Bedroom Unit in Sage 5 With Unobstructed Views.***1 Underground Parking Included*** Southwest Exposure Brings Abundant Natural Light! Features An Oversized 2.9M x 4.8M Bedroom With Floor-To-Ceiling Window, Closet, And Walkout To Balcony Overlooking The Community Green Park. The Open-Concept Living And Dining Area Also Walks Out To The Balcony. Modern Kitchen Equipped With Stainless Steel Appliances, Granite Centre Island With Seating For Three, And Plenty…

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Property details

MLS#: X13071664
Status: Buy Now
Beds: 1
Baths: 1 full, 0 half
Size: 500-599
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Hospital, Library, Park, Public Transit, School

Condo corp #: 626
Balcony: Open
Locker: None
Association amenities: Bike Storage, Gym, Media Room
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: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: University & King Street North
Basement: None
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free
Parking features: None

Rooms

Level	Room	Dimensions
Ground	Living Room	2.9m × 3.06m
Ground	Dining Room	2.9m × 3.06m
Ground	Kitchen	2.9m × 4.35m
Ground	Bedroom	2.47m × 4.42m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: REAL ONE REALTY INC.

Source: TRREB/PROPTX · MLS® X13071664

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$370K

Unit 514 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $369,900✓ $3,236 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,619/mo

incl. closing costs (yr 1)

Annual total

$43,433

year 1

Mortgage only

$1,403/mo

principal + interest

Beyond mortgage

$1,422/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$73,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$270/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 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%$3,699/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)$35/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,024

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $16,839/yr

Property taxes17% $7,260/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,699/yr

Condo fees11% $4,974/yr

Closing costs12% $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)	$16,839	$1,403/mo
Government & taxes
Property tax	$3,236	$270/mo
Land transfer tax(closing)	$4,024	$335/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%)	$3,699	$308/mo
Condo fees
Condo / HOA fees	$4,974	$415/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	$43,433	$3,619/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 514

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs