Loading neighbourhood intel…

$520K · 3 bed Condo Apartment · Waterloo | MyPropertyScout

$519,900

Unit 2203

22 DOM

3222d

Map

DOM 22

$519,900

F●●○○○DOM22days

Unit 2203

318 Spruce Street · Waterloo · Ontario N2L 0E9

MLS® X13413902 · N2L 0E9

32TenantOccupied900-999 ft²Condo ApartmentNone22d$548/ft²$4,768 tax/yrBuilt 20188 yrs old

30% above market · regional est. · 22 days on market

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

About this home

Penthouse Living in the Heart of Waterloo's University District! Welcome to Unit 2203 at the sought-after Sage Condos, a stunning penthouse suite offering style, space, and convenience in one of Waterloo's most desirable locations. This beautifully appointed 3-bedroom unit (including a den professionally converted into a third bedroom) features soaring ceilings, modern laminate hardwood flooring, and an abundance of natural light throughout. The open-concept layout is perfect for students, profe…

Reserved · coming next

MyPropertyScout exclusive

Reserve your Home Buyers Package

Could save you thousands on this purchase — closing strategy, negotiation & rebate.

MyStreetValue™ Analysis

Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →

Property details

MLS#: X13413902
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 900-999
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —

Roof: Flat
Foundation: Poured Concrete
Property features: School, School Bus Route, Public Transit, Place Of Worship, Park

Condo corp #: 624
Balcony: Open
Locker: None
Association amenities: Elevator, Media Room, Rooftop Deck/Garden, Visitor Parking
Fees include: Water Included, Heat Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Hickory Street W
Basement: None
Stories: 22
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote
Parking features: None

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX TWIN CITY REALTY INC.

Source: TRREB/PROPTX · MLS® X13413902

Do you own a home in Waterloo?

Find out what it's worth — and what you'd walk away with after mortgage, commission and fees.

Get My StreetValue™ →

$520K

Unit 2203 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $519,900✓ $4,768 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,910/mo

incl. closing costs (yr 1)

Annual total

$58,925

year 1

Mortgage only

$1,972/mo

principal + interest

Beyond mortgage

$1,907/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$103,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$397/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 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%$5,199/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $23,668/yr

Property taxes20% $11,641/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,199/yr

Condo fees13% $7,756/yr

Closing costs9% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$23,668	$1,972/mo
Government & taxes
Property tax	$4,768	$397/mo
Land transfer tax(closing)	$6,873	$573/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%)	$5,199	$433/mo
Condo fees
Condo / HOA fees	$7,756	$646/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	$58,925	$4,910/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.

Unlock Insider Deals

Sign in

Unit 2203

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

Request a Showing

Request a Showing

Annual costs