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$598K · 0+3 bed Condo Townhouse · Waterloo | MyPropertyScout

$598,000

Unit 114

21 DOM

0+3321d

Map

DOM 21

$598,000

A●●○○○DOM21days

Unit 114

338 Albert Street · Waterloo · Ontario N2L 3T8

MLS® X13423380 · N2L 3T8

0+33TenantOccupied700-799 ft²Condo TownhouseNone21d$798/ft²$4,779 tax/yr

5% below market · regional est. · 21 days on market

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

About this home

Welcome to Ivy Towns 3 by IN8 Developments - a modern and spacious stacked condo perfectly suited for investors or university living. This stylish TWO-LEVEL unit offers approximately 1,600 sq. ft. of well-designed living space, featuring THREE BEDROOMS and THREE BATHROOMS, and a versatile den/study that can easily serve as a FOURTH BEDROOM. This move-in ready unit showcases low-maintenance porcelain and laminate flooring throughout, a functional open-concept layout, in-suite laundry, and a priva…

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Property details

MLS#: X13423380
Status: Buy Now
Beds: 0+3
Baths: 3 full, 0 half
Size: 700-799
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Roof: Flat
Property features: Hospital, Library, Place Of Worship, School, Public Transit, Rec./Commun.Centre

Condo corp #: 647
Balcony: Open
Locker: None
Association amenities: Visitor Parking
Fees include: Water Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Columbia St
Basement: Finished
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Separate Heating Controls
Parking features: Reserved/Assigned

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: CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD

Source: TRREB/PROPTX · MLS® X13423380

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$598K

Unit 114 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $598,000✓ $4,779 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,353/mo

incl. closing costs (yr 1)

Annual total

$64,235

year 1

Mortgage only

$2,269/mo

principal + interest

Beyond mortgage

$1,923/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$119,600

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$398/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 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%$5,980/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)$50/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,435

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $27,224/yr

Property taxes21% $13,214/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $5,980/yr

Condo fees11% $7,158/yr

Closing costs8% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,224	$2,269/mo
Government & taxes
Property tax	$4,779	$398/mo
Land transfer tax(closing)	$8,435	$703/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%)	$5,980	$498/mo
Condo fees
Condo / HOA fees	$7,158	$596/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	$64,235	$5,353/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 114

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs