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$450K · 1+1 bed Condo Apartment · Unit 2002, Society 145, 145 Columbia Street, Waterloo, Ontario N2L 0K7 | HomeSearchCanada

$449,900

Unit 2002

157 DOM

1+11157d

Map

DOM 157

Motivated Seller

$449,900

Motivated Seller

DOM157days

Unit 2002

Society 145 · 145 Columbia Street · Waterloo · Ontario N2L 0K7

MLS® X12791044 · N2L 0K7

1+11TenantOccupied500-599 ft²Condo ApartmentNoneNo basement157d$819/ft²$3,143 tax/yrNo basement

157 days on market

About this home

Get your daily dose of Vitamin D with east facing windows. Study, live, and thrive just steps from campus in this bright and thoughtfully designed 20th-floor 1+1 bedroom, 1 bathroom condo at 145 Columbia Street West, Waterloo. Ideally located minutes from Wilfrid Laurier University and the University of Waterloo, this home is perfectly suited for student living or savvy investment. This unit has been kept exceptionally well, offering a move-in-ready space that feels cared for and maintained. Enj…

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Property details

MLS#: X12791044
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1+1
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 3 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Building name: Society 145
Condo corp #: 790
Balcony: None
Locker: None
Fees include: Common Elements 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: Concrete
Fronting on: —
Cross street: Columbia St W/ Phillip St
Stories: 18
Utilities: —
Laundry: In-Suite Laundry, In Building
Interior: Carpet Free, Separate Hydro Meter, Built-In Oven, Water Meter
Parking features: None

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

157 days on market — Listing has been active for 157 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: Royal Lepage Real Estate Associates

Source: TRREB/PROPTX · MLS® X12791044

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$450K

Unit 2002 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,900✓ $3,143 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,963/mo

incl. closing costs (yr 1)

Annual total

$47,553

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,342/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$262/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 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%$4,499/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)$23/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $20,481/yr

Property taxes18% $8,616/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,499/yr

Condo fees7% $3,296/yr

Closing costs11% $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)	$20,481	$1,707/mo
Government & taxes
Property tax	$3,143	$262/mo
Land transfer tax(closing)	$5,473	$456/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%)	$4,499	$375/mo
Condo fees
Condo / HOA fees	$3,296	$275/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	$47,553	$3,963/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 2002

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs