$415K · 1+1 bed Condo Apartment · Cambridge

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About this home

Not your typical condo layout, this expansive, bright and airy penthouse condo feels so spacious with its wide open layout, 10 ft ceilings andfantastic city view of historic Galt from its many windows. Plenty of space to spread out in this one bedroom plus den with lots of extra storagespace in the laundry room and two extra closets. Comes with a parking spot and storage locker. The building boasts a guest room, party room,shared barbecue, rooftop patio, top floor gym with views, a secondary ter…

Property details

MLS#

X13411206

Status

Buy Now

Beds

1+1

Baths

1 full, 0 half

Size

700-799

Style

Apartment

Type

Condo Apartment

Year built

—

Roof: Flat
Foundation: Concrete
Property features: Arts Centre, Library, Park, Public Transit, Rec./Commun.Centre

View: City

Waterfront: Yes
Water view: Obstructive
Water body: Grand River
Water frontage: 372 ft
Shoreline: Other
Waterfront features: River Front

Building name: Waterscape
Condo corp #: 520
Balcony: Open
Locker: Exclusive
Association amenities: Bike Storage, Exercise Room, Guest Suites, Party Room/Meeting Room, Recreation Room, Rooftop Deck/Garden
Fees include: Heat Included, Water Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Other
Cooling: Central Air
Fireplaces: —
Exterior: Stucco (Plaster)
Fronting on: —
Cross street: Where Ainslee meets Water Street
Basement: None
Stories: 12
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Separate Heating Controls
Parking features: Underground

Level	Room	Dimensions
Main	Kitchen	2.72m × 3.18m
Main	Great Room	3.64m × 6.11m
Main	Primary Bedroom	3.59m × 3.56m
Main	Den	2.12m × 3.11m
Main	Laundry	2.62m × 1.11m
Main	Bathroom	1.73m × 2.46m

Level

Room

Dimensions

Main

Kitchen

2.72m × 3.18m

Main

Great Room

3.64m × 6.11m

Main

Primary Bedroom

3.59m × 3.56m

Main

Den

2.12m × 3.11m

Main

Laundry

2.62m × 1.11m

Main

Bathroom

1.73m × 2.46m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $415,000✓ $3,607 tax✓ Other✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,257/mo

incl. closing costs (yr 1)

Annual total

$51,085

year 1

Mortgage only

$1,574/mo

principal + interest

Beyond mortgage

$1,826/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$83,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$301/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 ft² · ON avg ~$75/mo · assumes gas heat

Other$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%$4,150/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)$63/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,775

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $18,893/yr

Property taxes16% $8,382/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,150/yr

Condo fees18% $9,000/yr

Closing costs10% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,893	$1,574/mo
Government & taxes
Property tax	$3,607	$301/mo
Land transfer tax(closing)	$4,775	$398/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,150	$346/mo
Condo fees
Condo / HOA fees	$9,000	$750/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	$51,085	$4,257/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 1207

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Annual costs