$1.63M · 6 bed Condo Townhouse · Waterloo

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About this home

Live - work opportunity in Waterloo with high traffic street front exposure balanced by family friendly neighbourhood within easy walking distance to schools, parkland, walking trails, grocery, shopping and transit. Ideal for small business, professional services, tech, health services. Beautiful office space already built out, additional parking, clear separation between work-space and residence. Combine your current rent/mortgage with your business lease and own your own building.

Property details

MLS#

X13213662

Status

Buy Now

Beds

Baths

5 full, 0 half

Size

4250-4499

Style

3-Storey

Type

Condo Townhouse

Year built

—

Roof: Shingles
Foundation: Concrete

Condo corp #: 416
Balcony: Open
Locker: None
Fees include: Building Insurance Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick Front, Brick Veneer
Fronting on: —
Cross street: Laurelwood Dr & Erbsville Rd.
Basement: Finished, Full
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Water Heater, Water Softener, Water Meter
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Office	2.13m × 3.05m
Main	Den	1.5m × 2.62m
Second	Dining Room	3.61m × 1.93m
Second	Kitchen	3.63m × 2.84m
Second	Living Room	7.47m × 4.75m
Third	Primary Bedroom	4.98m × 4.75m
Third	Bedroom	4.57m × 2.72m
Third	Bedroom	3.15m × 2.31m
Basement	Recreation	—
Basement	Other	—
Third	Bathroom	—
Third	Bathroom	—
Second	Bathroom	—
Basement	Bathroom	—
Main	Office	2.59m × 2.44m
Main	Den	3.05m × 2.18m
Second	Living Room	4.8m × 6.07m
Second	Kitchen	2.72m × 2.72m
Second	Family Room	4.8m × 3.58m
Second	Bathroom	—
Second	Laundry	2.72m × 2.26m
Third	Primary Bedroom	4.8m × 5.97m
Third	Bathroom	—
Third	Bedroom	2.72m × 5.16m
Third	Bedroom	2.31m × 4.04m
Third	Bathroom	—
Basement	Utility Room	3.2m × 2.36m
Basement	Other	2.69m × 2.16m
Basement	Bathroom	—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,630,000✓ $9,270 tax✓ Gas✓ 4250-4499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$12,139/mo

incl. closing costs (yr 1)

Annual total

$145,671

year 1

Mortgage only

$6,184/mo

principal + interest

Beyond mortgage

$3,074/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$326,000

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$773/mo

Utilities

Hydro / electricity$168/mo

≈ $0.07/ft² × ~4,375 ft² · ON avg ~$168/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%$16,300/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$29,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $74,205/yr

Property taxes26% $38,345/yr

Utilities3% $5,081/yr

Insurance & security1% $1,600/yr

Maintenance11% $16,300/yr

Condo fees3% $5,040/yr

Closing costs4% $5,100/yr

Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$74,205	$6,184/mo
Government & taxes
Property tax	$9,270	$773/mo
Land transfer tax(closing)	$29,075	$2,423/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,021	$168/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$16,300	$1,358/mo
Condo fees
Condo / HOA fees	$5,040	$420/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	$145,671	$12,139/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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Annual costs