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$274,900
321 Spruce Street · Waterloo · Ontario N2L 0G4
106 days on market
Experience luxury and convenience in this bright 1+1 bedroom condo in the heart of Waterloo, just steps from University of Waterloo, Wilfrid Laurier University, and Conestoga College. Featuring high-end finishes, stainless steel appliances, quartz countertops, and floor-to-ceiling windows, this fully furnished unit offers a spacious den that can serve as a second bedroom or office, in-suite laundry, and included high-speed internet and weekly housekeeping. Residents enjoy concierge service, an e…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
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: RIGHT AT HOME REALTY
Source: TRREB/PROPTX · MLS® X13541492
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~650 ft² · ON avg ~$75/mo · assumes gas heat
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 31% of your true cost of ownership. The other 69% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $12,515 | $1,043/mo |
| Government & taxes | ||
| Property tax | $3,452 | $288/mo |
| Land transfer tax(closing) | $2,599 | $217/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Other | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $2,749 | $229/mo |
| Condo fees | ||
| Condo / HOA fees | $8,875 | $740/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 | $40,849 | $3,404/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.