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$405K · 2 bed Condo Apartment · Waterloo | MyPropertyScout

$405,000

Unit 810

25 DOM

2225d

Map

DOM 25

$405,000

DOM25days

Unit 810

318 Spruce St Street · Waterloo · Ontario N2L 3M7

MLS® X13497274 · N2L 3M7

22TenantOccupied900-999 ft²Condo ApartmentNoneNo basement25d$427/ft²$4,521 tax/yrNo basement

25 days on market

About this home

Welcome to Sage ll - a 23-storey tower designed as a "recreational retreat" for students and young professionals in Waterloo's university district. This suite features 2 bedrooms / 2 washrooms with laminate flooring throughout and a sleek kitchen equipped with granite countertops, stainless steel appliances (including a built-in dishwasher), and ample storage. Enjoy a large open balcony with breathtaking city views, accessible via a walk-out from the main living area. Floor-to-ceilin…

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Property details

MLS#: X13497274
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 1
Size: 900-999Exact 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: 4 pc · Main; 3 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Property features: School, School Bus Route

Condo corp #: 624
Balcony: Open
Locker: None
Association amenities: Exercise Room, Game Room, Media Room, Visitor Parking
Fees include: CAC Included, Common Elements Included, Heat Included, Building Insurance Included, Water Included
Pets: No

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: King St N & University Ave W
Stories: 8
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free
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: REMAX CONNECT REALTY

Source: TRREB/PROPTX · MLS® X13497274

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$405K

Unit 810 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $405,000✓ $4,521 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,109/mo

incl. closing costs (yr 1)

Annual total

$49,307

year 1

Mortgage only

$1,536/mo

principal + interest

Beyond mortgage

$1,733/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$81,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$377/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 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%$4,050/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)$49/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,575

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $18,437/yr

Property taxes18% $9,096/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,050/yr

Condo fees14% $7,064/yr

Closing costs10% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,437	$1,536/mo
Government & taxes
Property tax	$4,521	$377/mo
Land transfer tax(closing)	$4,575	$381/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%)	$4,050	$338/mo
Condo fees
Condo / HOA fees	$7,064	$589/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	$49,307	$4,109/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 810

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs