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Property Type: Condo / ApartmentOwnership: Condominium
103 ROGER Street Unit# 609
Waterloo, ON N2J0G2
MLS® 40824585
$280,000
1 bed1 bath570 sqftBuilt 2023
Amenities
Also listed: Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
- Stories
- 1
RMU-20
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $282/mo
- Annual property tax
- $3,302
Maintenance Fee Includes
Management
Also included: Common Area Maintenance, Landscaping, Insurance
Interior
- Basement
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Main level | 4'8'' x 7'1'' |
| Living room | Main level | 15'0'' x 12'1'' |
| Kitchen | Main level | 8'8'' x 14'4'' |
| Bedroom | Main level | 10'5'' x 9'8'' |
| 4pc Bathroom | Main level | — |
Description
A bright, penthouse level condo in the middle of everything. This chic, 1-bedroom condo gives you the perfect mix of style and comfort. It’s nearly new and set in one of the fastest-growing and most loved areas in the city of Waterloo. Step inside and you’ll notice the light right away. Large windows brighten the open living space, showing off clean finishes and wide-plank floors. The kitchen stands out with quartz counters, a big island, and a modern backsplash, perfect for daily life or having friends over. But it’s not just about the condo. Living at Spur Line Commons means you’re close to everything. The Spur Line Trail is right nearby for walks or runs. Uptown Waterloo, Downtown Kitchener, and Belmont Village are all just minutes away, filled with great shops, cafes, and places to go. And with the LRT only a 5-10 minute walk away, getting around is super simple. You don't even need a car! Whether you’re buying your first place, downsizing, or looking for a smart investment, this condo checks all the boxes. Book your private tour and come see it for yourself. (id:63159)
Listing Information
- MLS®
- 40824585
- Data last synced
- September 15, 2026
KELLER WILLIAMS INNOVATION REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: KELLER WILLIAMS INNOVATION REALTY
MLS® Number: 40824585
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$491/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$541/sqft
35 active listing(s)
Parking: Not indicatedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($14,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$224,000.00
Periodic payment — Principal & Interest (monthly)$1,445.17
Additional monthly expenses (condo fees, tax, utilities, etc.)$586.17
Total monthly cost$2,031.34
Interest paid over 5-yr term$64,199.04
Balance at end of term$201,488.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$14,000
Stress test qualifying rate8.19%
Payment you must qualify for$2,062.50
Cash Needed at Closing
Minimum down payment$14,000
Estimated Land Transfer Tax (LTT)$2,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$18,175
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
