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$460K · 1+1 bed Condo Apartment · Unit 1805, 145 Columbia Street, Waterloo, Ontario N2L 0K7 | HomeSearchCanada

$460,000

Unit 1805

1+11TenantOccupied

Map

$460,000

Unit 1805

145 Columbia Street · Waterloo · Ontario N2L 0K7

MLS® X13044924 · N2L 0K7

1+11TenantOccupied500-599 ft²Condo ApartmentNoneNo basement$837/ft²$3,141 tax/yrBuilt 20233 yrs oldNo basement

About this home

Stylish and well-appointed suite in the sought-after Society 145, located in the vibrant University District of Waterloo. This bright unit offers a modern open-concept layout with large windows, exposed concrete ceilings, laminate flooring, and contemporary finishes throughout. The upgraded kitchen features quartz countertops and stainless steel appliances, while the versatile den provides the perfect space for a home office or second bedroom.Enjoy exceptional building amenities including a fitn…

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Property details

MLS#: X13044924
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: 2023

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

Condo corp #: 790
Balcony: None
Locker: None
Fees include: 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
Fronting on: —
Cross street: Columbia St & Phillip St
Stories: 16
Utilities: —
Laundry: Ensuite
Interior: None
Parking features: —

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: RIGHT AT HOME REALTY

Source: TRREB/PROPTX · MLS® X13044924

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$460K

Unit 1805 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $460,000✓ $3,141 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,026/mo

incl. closing costs (yr 1)

Annual total

$48,313

year 1

Mortgage only

$1,745/mo

principal + interest

Beyond mortgage

$1,350/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$92,000

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%$4,600/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$5,675

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $20,941/yr

Property taxes18% $8,816/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,600/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)	$20,941	$1,745/mo
Government & taxes
Property tax	$3,141	$262/mo
Land transfer tax(closing)	$5,675	$473/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%)	$4,600	$383/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	$48,313	$4,026/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 1805

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs