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$449K · 3 bed Condo Townhouse · Unit 101, 121 University Avenue, Waterloo, Ontario N2J 4J1 | HomeSearchCanada

$449,000

Unit 101

9 DOM

339d

Map

DOM 9

$449,000

DOM9days

Unit 101

121 University Avenue · Waterloo · Ontario N2J 4J1

MLS® X13719570 · N2J 4J1

33OwnerOccupied1400-1599 ft²Condo TownhouseNoneFull, Partially Finished9d$299/ft²$3,448 tax/yrFull, Partially Finished

9 days on market

About this home

Welcome to 121 University Avenue East Unit 101, Waterloo! An ideal opportunity for first-time buyers, investors, or parents of students, this beautifully maintained townhouse is located directly across from Conestoga College's Waterloo campus & just a short walk to the University of Waterloo & Wilfrid Laurier University. With its prime location, this home truly checks all the boxes. Step Inside, you'll be welcomed by a freshly painted interior & a spacious main floor that has been thoughtfully u…

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Property details

MLS#: X13719570
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 3 full, 0 half
Rooms: 9 + 3
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Partially Finished
Style: 2-Storey
Type: Condo Townhouse
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 2 pc · Main; 4 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: No

Condo corp #: 23
Balcony: None
Locker: None
Fees include: Water Included, Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: University Ave E
Stories: 1
Utilities: —
Laundry: In Basement
Interior: Water Heater, Water Softener
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 TWIN CITY REALTY INC.

Source: TRREB/PROPTX · MLS® X13719570

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$449K

Unit 101 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,000✓ $3,448 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,475/mo

incl. closing costs (yr 1)

Annual total

$53,694

year 1

Mortgage only

$1,703/mo

principal + interest

Beyond mortgage

$1,858/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$287/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$4,490/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)$64/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)38% $20,440/yr

Property taxes17% $8,903/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,490/yr

Condo fees17% $9,201/yr

Closing costs9% $5,100/yr

Mortgage is 38% of your true cost of ownership. The other 62% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,440	$1,703/mo
Government & taxes
Property tax	$3,448	$287/mo
Land transfer tax(closing)	$5,455	$455/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%)	$4,490	$374/mo
Condo fees
Condo / HOA fees	$9,201	$767/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	$53,694	$4,475/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 101

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