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$381K · 1 bed Common Element Condo · Waterloo | MyPropertyScout

$381,000

Unit 106

48 DOM

1148d

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DOM 48

$381,000

B●●○○○DOM48days

Unit 106

Spur Line Common Building 2 · 107 Roger Street · Waterloo · Ontario N2J 0G2

MLS® X13120974 · N2J 0G2

11TenantOccupied600-699 ft²Common Element CondoNone48d$587/ft²Lot 204,675.56$2,300 tax/yrBuilt 20233 yrs old

2% below market · regional est. · 48 days on market

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

About this home

Two years new apartment for sale. Experience urban living at its finest in this brand new condominium nestled within the Spur Lines Development. Situated conveniently near Grand River Hospital, LRT stops and an array of upscale dining options, this one-bedroom, one-bathroom gem is made for young professionals or couples looking to be close to both the uptown and downtown lifestyles. Spanning 604 square feet, this unit boasts a sun-kissed balcony, in-suite laundry, and a stocked kitchen complete…

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Property details

MLS#: X13120974
Status: Buy Now
Beds: 1
Baths: 1 full, 0 half
Size: 600-699
Style: Apartment
Type: Common Element Condo
Year built: —

Roof: Unknown
Foundation: Concrete
Property features: Hospital, Public Transit, School

Building name: Spur Line Common Building 2
Condo corp #: 773
Balcony: Open
Locker: None
Association amenities: Party Room/Meeting Room, Visitor Parking
Fees include: Common Elements Included, Building Insurance Included, CAC Included
Pets: No

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete
Fronting on: —
Cross street: Moore Ave S - Roger St
Basement: None
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: —

Rooms

Level	Room	Dimensions
Flat	Kitchen	2.74m × 3.08m
Flat	Living Room	3.51m × 3.71m
Flat	Primary Bedroom	2.92m × 3.3m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX COMMUNITY REALTY INC.

Source: TRREB/PROPTX · MLS® X13120974

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$381K

Unit 106 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $381,000✓ $2,300 tax✓ Gas✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,434/mo

incl. closing costs (yr 1)

Annual total

$41,209

year 1

Mortgage only

$1,445/mo

principal + interest

Beyond mortgage

$1,181/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$76,200

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$192/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~650 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%$3,810/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)$20/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,190

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $17,345/yr

Property taxes16% $6,490/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,810/yr

Condo fees7% $2,904/yr

Closing costs12% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$17,345	$1,445/mo
Government & taxes
Property tax	$2,300	$192/mo
Land transfer tax(closing)	$4,190	$349/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%)	$3,810	$318/mo
Condo fees
Condo / HOA fees	$2,904	$242/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	$41,209	$3,434/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 106

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs