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$399K · 2 bed Condo Apartment · Unit 501, 170 Water Street, Cambridge, Ontario N1R 3B6 | HomeSearchCanada

$399,000

Unit 501

18 DOM

2118d

Map

DOM 18

Waterfront

$399,000

DOM18days

Unit 501

170 Water Street · Cambridge · Ontario N1R 3B6

MLS® X13687164 · N1R 3B6

21TenantOccupied700-799 ft²Condo Apartment1-car UndergroundNo basement18d$532/ft²$3,427 tax/yrNo basement

18 days on market

About this home

Welcome to Waterscape, a well-located condo community along the Grand River in historic Downtown Galt. This bright and functional 2-bedroom, 1-bathroom condo offers a great opportunity for first-time buyers, downsizers, or investors looking for low-maintenance living in a prime location. The open-concept layout features a modern kitchen with ample cabinetry, granite countertops, and stainless steel appliances, flowing seamlessly into the living area - perfect for everyday living or entertaining.…

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Property details

MLS#: X13687164
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 3
Kitchens: 1
Size: 700-799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 4 pc
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: C1RM1

View: City, Panoramic

Waterfront: Yes
Water view: Obstructive
Water body: Grand River
Shoreline: Unknown
Waterfront features: Other

Condo corp #: 520
Balcony: Enclosed
Locker: Exclusive
Fees include: Heat Included, Water Included, Building Insurance Included, Common Elements Included, Parking 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: —
Exterior: Stucco (Plaster) · Built-In-BBQ, Controlled Entry, Landscaped, Patio, Year Round Living
Fronting on: —
Cross street: Ainslie St
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Intercom, Storage, Water Softener, Wheelchair Access
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: RE/MAX REAL ESTATE CENTRE INC.

Source: TRREB/PROPTX · MLS® X13687164

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$399K

Unit 501 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,000✓ $3,427 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,142/mo

incl. closing costs (yr 1)

Annual total

$49,701

year 1

Mortgage only

$1,514/mo

principal + interest

Beyond mortgage

$1,798/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$286/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%$3,990/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)$63/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,460

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $18,164/yr

Property taxes16% $7,887/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,990/yr

Condo fees18% $9,000/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)	$18,164	$1,514/mo
Government & taxes
Property tax	$3,427	$286/mo
Land transfer tax(closing)	$4,460	$372/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%)	$3,990	$333/mo
Condo fees
Condo / HOA fees	$9,000	$750/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	$49,701	$4,142/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 501

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