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Property Type: Condo / ApartmentOwnership: Condominium
112 UNION Street E Unit# B103
Waterloo, ON N2J0E4
MLS® 40844020
$399,000
1 bed1 bath1 parking720 sqft
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 0
GR3
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $322/mo
- Annual property tax
- $2,950.46
Maintenance Fee Includes
Management
Also included: Landscaping, Insurance, Parking
Interior
- Basement
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Main level | 3'0'' x 5'4'' |
| Living room | Main level | 11'0'' x 14'2'' |
| Kitchen | Main level | 12'1'' x 8'5'' |
| Dining room | Main level | 7'10'' x 9'5'' |
| Bedroom | Main level | 10'1'' x 12'2'' |
| 4pc Bathroom | Main level | 9'7'' x 5'3'' |
Description
Welcome to Union Crossing – Maintenance-Free Condo Living in the Heart of Uptown Waterloo! Discover the perfect combination of modern style, comfort, and convenience in this beautifully designed condominium. Filled with natural light, the bright open-concept layout features a spacious living/dining area that flows seamlessly into a contemporary kitchen complete with elegant quartz countertops, timeless cabinetry, and plenty of workspace. The generously sized bedroom offers a large walk-in closet and a convenient 4-piece cheater ensuite. Ideally situated just steps from the scenic Spur Line Trail and within walking distance of Uptown Waterloo, Wilfrid Laurier University, the University of Waterloo, Downtown Kitchener, the ION LRT, public transit, shops, restaurants, cafés, and everyday amenities, this home offers an exceptional lifestyle in one of Waterloo's most desirable neighbourhoods. Whether you're a first-time buyer, investor, or looking to downsize, this is a fantastic opportunity to enjoy maintenance-free living in an unbeatable location. (id:63159)
Listing Information
- MLS®
- 40844020
- Data last synced
- September 29, 2026
RE/MAX REAL ESTATE CENTRE INC., BROKERAGE
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC., BROKERAGE
MLS® Number: 40844020
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
$554/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$537/sqft
35 active listing(s)
Parking: 1 stall(s) includedStorage 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% ($19,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$319,200.00
Periodic payment — Principal & Interest (monthly)$2,059.37
Additional monthly expenses (condo fees, tax, utilities, etc.)$604.04
Total monthly cost$2,663.41
Interest paid over 5-yr term$91,483.64
Balance at end of term$287,121.43
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$19,950
Stress test qualifying rate8.19%
Payment you must qualify for$2,939.06
Cash Needed at Closing
Minimum down payment$19,950
Estimated Land Transfer Tax (LTT)$4,460
Legal / closing costs (typical estimate)$1,500
Total cash needed$25,910
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.
