$605K · 2 bed Condo Apartment · Waterloo

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About this home

Welcome to this gorgeous Bauer Loft corner unit with 10ft ceilings, windows galore and a phenomenal floorplan. 2 large bedrooms, 2 full bathrooms, parking, and a large storage locker, it has everything you need for uptown living. It features well proportioned rooms and the open concept Kitchen/Dining/Living provides versatility for an office or a dining table. The large corner balcony facing South East has a great square shape allowing for an outdoor dining area or conversation set - however you…

Property details

MLS#

X13423218

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

900-999

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Foundation: Poured Concrete
Property features: Hospital, Golf, Public Transit, School Bus Route, School, Park

View: City, Downtown

Building name: Bauer Lofts
Condo corp #: 495
Balcony: Open
Locker: Owned
Association amenities: Community BBQ, Gym, Visitor Parking, Rooftop Deck/Garden, Party Room/Meeting Room
Fees include: Heat Included, CAC Included, Parking Included, Building Insurance Included, Water Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: King and John
Basement: None
Stories: 7
Utilities: —
Laundry: In-Suite Laundry
Interior: Primary Bedroom - Main Floor
Parking features: —

Level	Room	Dimensions
Main	Kitchen	2.64m × 4.29m
Main	Living Room	2.97m × 4.62m
Main	Dining Room	3m × 2.92m
Main	Bedroom	3.38m × 3.99m
Main	Bedroom 2	3.1m × 4.24m

Level

Room

Dimensions

Main

Kitchen

2.64m × 4.29m

Main

Living Room

2.97m × 4.62m

Main

Dining Room

3m × 2.92m

Main

Bedroom

3.38m × 3.99m

Main

Bedroom 2

3.1m × 4.24m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $605,000✓ $5,644 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,565/mo

incl. closing costs (yr 1)

Annual total

$66,780

year 1

Mortgage only

$2,295/mo

principal + interest

Beyond mortgage

$2,097/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$121,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$470/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%$6,050/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)$58/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,575

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $27,542/yr

Property taxes21% $14,219/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,050/yr

Condo fees12% $8,308/yr

Closing costs8% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,542	$2,295/mo
Government & taxes
Property tax	$5,644	$470/mo
Land transfer tax(closing)	$8,575	$715/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%)	$6,050	$504/mo
Condo fees
Condo / HOA fees	$8,308	$692/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	$66,780	$5,565/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