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$399,900
103 Roger Street · Waterloo · Ontario N2J 0G2
Welcome To This Unique, Luxury 1-Bedroom And 1-Bathroom Condo This Unit Features An Open- Concept Living Providing Abundant Natural Sunlight And Access To A Private Balcony. Ideally Situated In The Heart Of Waterloo, You Are Just Minutes Away From The Go Station, University Of Waterloo, Wilfred Laurier University, Grand River Hospital, Amenities, Shopping, And Public Transit. The Building Offers Luxury Amenities, Including Party/Meeting Room, Guest Suites.
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: Global Bricks Realty
Source: TRREB/PROPTX · MLS® X12888132
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~650 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $18,205 | $1,517/mo |
| Government & taxes | ||
| Property tax | $2,962 | $247/mo |
| Land transfer tax(closing) | $4,474 | $373/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%) | $3,999 | $333/mo |
| Condo fees | ||
| Condo / HOA fees | $3,864 | $322/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 | $44,164 | $3,680/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.