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$479,000
275 Larch Street · Waterloo · Ontario N2L 3R2
127 days on market
Welcome to Unit G105 at 275 Larch Street, a fully furnished 1 bedroom + spacious enclosed den, 2 bathroom condo in the heart of Waterloo's highly sought after University District. Offering 860 sq. ft. of bright, modern living space, this turnkey unit features soaring ceilings, oversized windows, quartz countertops, stainless steel appliances, in suite laundry, and durable flooring throughout. The spacious enclosed den provides exceptional flexibility for a home office, study area, guest space, o…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $21KPrice reduction
MLS shows the seller reduced the asking price by $21,000 (from $500,000 to $479,000).
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: SHAW REALTY GROUP INC.
Source: TRREB/PROPTX · MLS® X13462260
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~850 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) | $21,806 | $1,817/mo |
| Government & taxes | ||
| Property tax | $2,800 | $233/mo |
| Land transfer tax(closing) | $6,055 | $505/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%) | $4,790 | $399/mo |
| Condo fees | ||
| Condo / HOA fees | $6,528 | $544/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 | $52,639 | $4,387/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.