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$415K · 2 bed Common Element Condo · Waterloo | MyPropertyScout

$414,900

Unit H404

28 DOM

2228d

Map

DOM 28

$414,900

DOM28days

Unit H404

275 Larch Street · Waterloo · Ontario N2L 3R2

MLS® X13481030 · N2L 3R2

22TenantOccupied700-799 ft²Common Element CondoNoneNo basement28d$554/ft²$2,775 tax/yrNo basement

28 days on market

About this home

Stylish, Sun-Filled Condo in the Heart of the University District. Welcome to modern urban living! This bright and spacious 762 sq ft condo features 2 bedrooms and 2 full bathrooms, offering a functional layout perfect for comfortable everyday living. Ideally located in Waterloo's vibrant University District, this unit sits just steps from the University of Waterloo, Wilfrid Laurier University, and Conestoga College, making it an exceptional opportunity for students, professionals, and investors…

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Property details

MLS#: X13481030
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 5
Kitchens: 1
Size: 700-799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Common Element Condo
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 4 pc · Flat; 3 pc · Flat
Family room: No
Central vacuum: No
Ensuite laundry: No

Condo corp #: 643
Balcony: Open
Locker: None
Fees include: Heat Included, Water Included, CAC Included, 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: Brick, Stone
Fronting on: —
Cross street: Larch St /Hickory St W
Stories: 4
Utilities: —
Laundry: Ensuite
Interior: Carpet Free, Primary Bedroom - Main Floor
Parking features: None

Additional listing data

ListAOR: Toronto Regional Real Estate Board

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

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ALEKSIC REALTY INC.

Source: TRREB/PROPTX · MLS® X13481030

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$415K

Unit H404 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $414,900✓ $2,775 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,834/mo

incl. closing costs (yr 1)

Annual total

$46,009

year 1

Mortgage only

$1,574/mo

principal + interest

Beyond mortgage

$1,404/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$82,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$231/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 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%$4,149/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)$33/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,773

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $18,888/yr

Property taxes16% $7,548/yr

Utilities9% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,149/yr

Condo fees10% $4,764/yr

Closing costs11% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,888	$1,574/mo
Government & taxes
Property tax	$2,775	$231/mo
Land transfer tax(closing)	$4,773	$398/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%)	$4,149	$346/mo
Condo fees
Condo / HOA fees	$4,764	$397/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	$46,009	$3,834/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 H404

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs