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Property Type: Condo / ApartmentOwnership: Condominium
181 KING Street S Unit# 1901
Waterloo, ON N2J1P7
MLS® 40867140
$995,900
2 bed3.5 bath1 parking1,500 sqftBuilt 2019
Amenities
Gym
Also listed: Guest Suite, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
I
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $1,351/mo
- Annual property tax
- $6,521
Maintenance Fee Includes
Management
Also included: Insurance, Parking
Interior
- Basement
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Ensuite bath | Main level | 8'5'' x 9'8'' |
| Primary Bedroom | Main level | 20'1'' x 14'5'' |
| 4pc Bathroom | Main level | 5'8'' x 8'1'' |
| Bedroom | Main level | 14'11'' x 13'10'' |
| Laundry room | Main level | — |
| 2pc Bathroom | Main level | 5'8'' x 5'1'' |
| Dining room | Main level | 15'4'' x 9'10'' |
| Living room | Main level | 15'4'' x 10'7'' |
| Kitchen | Main level | 10'4'' x 21'9'' |
Description
Modern urban living meets contemporary design in this bright two-bedroom plus den condo at Circa, one of Uptown Waterloo’s most desirable communities. Suite 1901 offers 1500 sq ft of open-concept living space, high ceilings, and expansive windows that fill the home with natural light. The kitchen features modern cabinetry, stone countertops, built-in appliances, and a functional island that flows into the living area. The living and dining space opens onto an expansive 550 sq ft private wraparound balcony with southwest views. Both bedrooms are generously sized, each with its own 4-piece ensuite and walk-out to the balcony, offering a rare blend of convenience and indoor-outdoor living. A dedicated den/home office adds valuable flexibility for work or study. In-suite laundry, underground parking, and a storage locker add everyday practicality. Residents of Circa enjoy premium amenities including a outdoor saltwater pool with cabanas, fitness and yoga studios, co-working lounges, a stylish party room, and on-site dining at LaLa Social House. Located in the vibrant Bauer District, you’re steps from Vincenzo’s, cafés, restaurants, shops, the LRT, Grand River Hospital, and both university campuses. A modern, low-maintenance home in one of Uptown Waterloo’s most connected locations—ideal for professionals, downsizers, or investors seeking a turnkey opportunity. (id:63159)
Listing Information
- MLS®
- 40867140
- Data last synced
- October 17, 2026
THE AGENCY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: THE AGENCY
MLS® Number: 40867140
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
$664/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$523/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:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.5% ($74,590) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$796,720.00
Periodic payment — Principal & Interest (monthly)$5,140.17
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,969.24
Total monthly cost$7,109.40
Interest paid over 5-yr term$228,342.24
Balance at end of term$716,652.22
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$74,590
Stress test qualifying rate8.19%
Payment you must qualify for$7,143.60
Cash Needed at Closing
Minimum down payment$74,590
Estimated Land Transfer Tax (LTT)$16,393
Legal / closing costs (typical estimate)$1,500
Total cash needed$92,483
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.
