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$288K · 1 bed Condo Apartment · Unit 424, Sage X Condos, 257 Hemlock Street, Waterloo, Ontario N2L 0K2 | HomeSearchCanada

$287,900

Unit 424

77 DOM

1177d

Map

DOM 77

$287,900

DOM77days

Unit 424

Sage X Condos · 257 Hemlock Street · Waterloo · Ontario N2L 0K2

MLS® X13639822 · N2L 0K2

11Vacant0-499 ft²Condo ApartmentNoneNo basement77d$577/ft²$2,822 tax/yrBuilt 20188 yrs oldNo basement

77 days on market

About this home

Turnkey, fully furnished living in the heart of Waterloo! Welcome to SAGE X, ideally located just steps from the University of Waterloo, Wilfrid Laurier University, Conestoga College's Waterloo campus, the ION LRT and everyday amenities. This bright and modern 1-bedroom suite features a bright west exposure, laminate flooring throughout, a contemporary kitchen with granite countertops and stainless steel appliances, ensuite laundry and a spacious balcony complete with an outdoor electrical outle…

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Property details

MLS#: X13639822
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 6
Kitchens: 1
Size: 0-499Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: 2018

Occupancy: Vacant
Washrooms: 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: No

Property features: Clear View, Library, Park, Public Transit, School, School Bus Route

Building name: Sage X Condos
Condo corp #: 679
Balcony: Open
Locker: None
Association amenities: Bus Ctr (WiFi Bldg), Elevator, Exercise Room, Gym, Rooftop Deck/Garden, Visitor Parking
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: Concrete Poured · Canopy, Deck
Fronting on: —
Cross street: University & Albert
Stories: 4
Utilities: —
Laundry: Ensuite
Interior: Carpet Free, Primary Bedroom - Main Floor, Separate Heating Controls, Separate Hydro Meter, Water Heater
Parking features: —

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: SAGE REAL ESTATE LIMITED

Source: TRREB/PROPTX · MLS® X13639822

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$288K

Unit 424 · Bryon Bertrim

Bryon Bertrim, REALTOR® | Real Broker Ontario Ltd. Brokerage · MLS® via PropTx · © CREA · Bona fide use only

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $287,900✓ $2,822 tax✓ Gas✓ 0-499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,119/mo

incl. closing costs (yr 1)

Annual total

$37,427

year 1

Mortgage only

$1,092/mo

principal + interest

Beyond mortgage

$1,336/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$57,580

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$235/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~250 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%$2,879/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)$36/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,794

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $13,106/yr

Property taxes15% $5,616/yr

Utilities11% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance8% $2,879/yr

Condo fees14% $5,166/yr

Closing costs14% $5,100/yr

Mortgage is 35% of your true cost of ownership. The other 65% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$13,106	$1,092/mo
Government & taxes
Property tax	$2,822	$235/mo
Land transfer tax(closing)	$2,794	$233/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%)	$2,879	$240/mo
Condo fees
Condo / HOA fees	$5,166	$430/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	$37,427	$3,119/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 424

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