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$459K · 1 bed Condo Apartment · Unit 611, 145 Columbia Street, Waterloo, Ontario N2L 0K7 | HomeSearchCanada

$459,444

Unit 611

29 DOM

1129d

Map

DOM 29

$459,444

DOM29days

Unit 611

145 Columbia Street · Waterloo · Ontario N2L 0K7

MLS® X13484680 · N2L 0K7

11TenantOccupied500-599 ft²Condo Apartment1-car UndergroundNo basement29d$836/ft²$2,647 tax/yrNo basement

29 days on market

About this home

This stylish suite for two offers modern finishes and a bright open-concept layout, ideally located just minutes from the University of Waterloo and Laurier University. Residents enjoy exceptional amenities, including concierge service, a fully equipped fitness centre, sauna, games room, private theatre, and study lounges. Perfect for students, young professionals, or investors seeking a blend of convenience, comfort, and upscale living. *PARKING SPACE INCLUDED**

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Property details

MLS#: X13484680
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 4
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: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Property features: Clear View, Hospital, Library, Park, Part Cleared, Public Transit

Condo corp #: 790
Balcony: None
Locker: None
Association amenities: Concierge, Game Room, Gym, Indoor Pool, Media Room, Party Room/Meeting Room
Fees include: Common Elements Included, Building Insurance Included, Condo Taxes Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete
Fronting on: —
Cross street: Columbia St, Phillip St
Stories: 5
Utilities: —
Laundry: Ensuite
Interior: Carpet Free, Other
Parking features: Underground

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

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX REAL ESTATE CENTRE INC.

Source: TRREB/PROPTX · MLS® X13484680

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$459K

Unit 611 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $459,444✓ $2,647 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,049/mo

incl. closing costs (yr 1)

Annual total

$48,592

year 1

Mortgage only

$1,743/mo

principal + interest

Beyond mortgage

$1,376/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$91,889

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$221/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%$4,594/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)$29/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,664

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $20,916/yr

Property taxes17% $8,311/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,594/yr

Condo fees8% $4,111/yr

Closing costs10% $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)	$20,916	$1,743/mo
Government & taxes
Property tax	$2,647	$221/mo
Land transfer tax(closing)	$5,664	$472/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%)	$4,594	$383/mo
Condo fees
Condo / HOA fees	$4,111	$343/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	$48,592	$4,049/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 611

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs