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$320K · 2 bed Co-op Apartment · Waterloo | MyPropertyScout

$320,000

Unit 402

22 DOM

2222d

Map

DOM 22

$320,000

DOM22days

Unit 402

65 Westmount Road · Waterloo · Ontario N2L 5G6

MLS® X13416756 · N2L 5G6

22OwnerOccupied1000-1199 ft²Co-op Apartment1-car Underground22d$291/ft²$2,425 tax/yrBuilt 195175 yrs old

22 days on market

About this home

Bright, spacious, and ideally located-welcome to Unit 402 at 65 Westmount Road N! Enjoy exceptional value with condo fees that include all utilities, making everyday living simple and hassle-free. This well-maintained 2-bedroom, 2-bathroom condo offers a sun-filled floor plan, exceptional building amenities, and a highly desirable Waterloo location that puts everyday conveniences right at your doorstep. Large windows fill the living spaces with natural light, creating a warm and inviting atmosph…

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Property details

MLS#: X13416756
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1000-1199
Style: 1 Storey/Apt
Type: Co-op Apartment
Year built: —

Roof: Tar and Gravel
Property features: Golf, Hospital, Library, Park, Public Transit, Rec./Commun.Centre

Condo corp #: 73
Balcony: Enclosed
Locker: Exclusive
Fees include: Building Insurance Included, Parking Included, Hydro Included, Water Included, Heat Included, Common Elements Included
Pets: No

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Water
Heating fuel: Gas
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Westcourt Pl
Basement: None
Stories: 4
Utilities: —
Laundry: Coin Operated
Interior: Intercom, Water Heater
Parking features: —

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Primary Bedroom	3.3m × 5.84m
Main	Bedroom	3.12m × 4.8m
Main	Bathroom	—
Main	Bathroom	—
Main	Kitchen	2.54m × 3.94m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: REAL BROKER ONTARIO LTD.

Source: TRREB/PROPTX · MLS® X13416756

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$320K

Unit 402 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $320,000✓ $2,425 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,846/mo

incl. closing costs (yr 1)

Annual total

$34,152

year 1

Mortgage only

$1,214/mo

principal + interest

Beyond mortgage

$901/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$64,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$202/mo

Utilities

Hydro / electricity$77/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$77/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%$3,200/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,275

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $14,568/yr

Property taxes17% $5,700/yr

Utilities12% $3,984/yr

Insurance & security5% $1,600/yr

Maintenance9% $3,200/yr

Closing costs15% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$14,568	$1,214/mo
Government & taxes
Property tax	$2,425	$202/mo
Land transfer tax(closing)	$3,275	$273/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$924	$77/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,200	$267/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	$34,152	$2,846/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 402

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs