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$500K · 1 bed Condo Apartment · Unit 1210, 145 Columbia Street, Waterloo, Ontario N2L 0K7 | HomeSearchCanada

$499,999

Unit 1210

11TenantOccupied

Map

$499,999

Unit 1210

145 Columbia Street · Waterloo · Ontario N2L 0K7

MLS® X12942776 · N2L 0K7

11TenantOccupied600-699 ft²Condo ApartmentNoneNo basement$770/ft²$3,400 tax/yrBuilt 20233 yrs oldNo basement

About this home

Welcome to Society 145, a brand-new luxury condominium ideally located in the heart of Waterloo, just steps from both the University of Waterloo and Wilfrid Laurier University. This rare, spacious corner unit offers a thoughtfully designed layout with 630 square feet of contemporary living space, filled with natural light through expansive floor-to-ceiling windows. The unit is adorned with high-end finishes, including hardwood floors, quartz countertops, stylish light fixtures, and rich carpentr…

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Property details

MLS#: X12942776
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 600-699Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: 2023

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

Roof: Other
Property features: School, Public Transit

View: Skyline

Condo corp #: 790
Balcony: None
Locker: None
Association amenities: Concierge, Game Room, Exercise Room, Gym, Elevator, Sauna
Fees include: Building Insurance Included, Common Elements 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, Brick Veneer · Year Round Living, Controlled Entry
Fronting on: —
Cross street: Between Lester and Phillip. Two minute walk to University of Waterloo
Stories: 11
Utilities: —
Laundry: In-Suite Laundry, Laundry Closet
Interior: Carpet Free, Primary Bedroom - Main Floor
Parking features: None

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: ROYAL LEPAGE WOLLE REALTY

Source: TRREB/PROPTX · MLS® X12942776

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$500K

Unit 1210 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,999✓ $3,400 tax✓ Gas✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,342/mo

incl. closing costs (yr 1)

Annual total

$52,101

year 1

Mortgage only

$1,897/mo

principal + interest

Beyond mortgage

$1,447/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$100,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$283/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~650 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%$5,000/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)$26/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $22,762/yr

Property taxes19% $9,875/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,000/yr

Condo fees7% $3,803/yr

Closing costs10% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,762	$1,897/mo
Government & taxes
Property tax	$3,400	$283/mo
Land transfer tax(closing)	$6,475	$540/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%)	$5,000	$417/mo
Condo fees
Condo / HOA fees	$3,803	$317/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	$52,101	$4,342/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 1210

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs