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Property Type: Condo / ApartmentOwnership: Condominium
181 KING Street S Unit# 1111
Waterloo, ON N2J0E7
MLS® 40848580
$389,000
1 bed1 bath1 parking633 sqft
Amenities
Gym
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
MU
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $610/mo
- Annual property tax
- $4,253.82
Interior
- Basement
- None
- Heating
- Forced air
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Main level | — |
| Kitchen | Main level | 12'0'' x 13'3'' |
| Bedroom | Main level | 10'0'' x 14'2'' |
Description
Welcome to Circa in the heart of Uptown Waterloo. This move-in ready 1-bedroom, 1-bathroom condo offers approximately 633 sq. ft. of thoughtfully designed living space with floor-to-ceiling windows, hardwood flooring, upgraded cabinetry and countertops, a modern bathroom with updated shower, custom closet, in-suite laundry, a storage locker, and an assigned parking space. Step onto the approximate 107 sq. ft. west-facing balcony to enjoy outdoor living and evening sunsets. Building amenities include a fitness centre, co-working lounge, party room, outdoor terrace with pool, fireplaces, BBQs, visitor parking, and a pet-friendly environment. Condo fees include high-speed internet. Located just steps from Uptown Waterloo's restaurants, cafe, shopping, parks, and the ION LRT. Currently leased to excellent tenants, offering a turnkey investment opportunity or future owner-occupancy. (id:63159)
Listing Information
- MLS®
- 40848580
- Data last synced
- October 7, 2026
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: not provided
MLS® Number: 40848580
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
$615/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$526/sqft
48 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:
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($19,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$311,200.00
Periodic payment — Principal & Interest (monthly)$2,007.76
Additional monthly expenses (condo fees, tax, utilities, etc.)$996.28
Total monthly cost$3,004.04
Interest paid over 5-yr term$89,190.81
Balance at end of term$279,925.41
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$19,450
Stress test qualifying rate8.19%
Payment you must qualify for$2,865.39
Cash Needed at Closing
Minimum down payment$19,450
Estimated Land Transfer Tax (LTT)$4,310
Legal / closing costs (typical estimate)$1,500
Total cash needed$25,260
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.
