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Property Type: Condo / ApartmentOwnership: Condominium
181 KING Street S Unit# 608
Waterloo, ON N2J0E7
MLS® 40860823
$425,000
1 bed1 bath1 parking742 sqftBuilt 2018
Amenities
Gym
Also listed: 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
- $686/mo
- Annual property tax
- $4,497.3
Maintenance Fee Includes
Management
Also included: Landscaping, Insurance, Parking
Interior
- Basement
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Other | Main level | 15'6'' x 23'3'' |
| Foyer | Main level | 10'8'' x 12'7'' |
| 3pc Bathroom | Main level | 7'6'' x 9'8'' |
| Bedroom | Main level | 9'8'' x 14'3'' |
| Living room | Main level | 11'6'' x 13'0'' |
| Kitchen | Main level | 9'6'' x 11'11'' |
Description
Welcome to Circa, one of Uptown Waterloo’s premier condo residences. This stylishly upgraded 1-bedroom, 1-bathroom suite offers soaring ceilings, high-end flooring, and a bright south-facing exposure that fills the space with natural light. Designed with both comfort and functionality in mind, the open-concept layout features a generous entryway and seamless flow throughout. The contemporary kitchen is equipped with builtin appliances, upgraded cabinetry, and a large island, perfect for everyday living and entertaining. The primary bedroom is thoughtfully designed with custom built-in cabinetry, providing ample storage along with space for a convenient work-from-home setup. A standout feature of this unit is the expansive private terrace, an impressive outdoor retreat rarely found in condo living. Complete with a natural gas hookup, it’s ideal for a fire table, hosting guests, or simply relaxing on warm summer evenings. Located on the same level, residents enjoy access to an array of exceptional amenities including a swimming pool, fitness centre, party room, outdoor lounge areas, BBQ space, and a dedicated co-working lounge. Step outside and immerse yourself in the vibrant Uptown lifestyle. With the ION LRT just steps away, you’ll have easy access to boutique Shopping, cafes, parks, restaurants, and nightlife. Enjoy the convenience of LaLa Social House right in the building, along with countless local favourites nearby. Luxury, convenience, and location, this is condo living at its best. (id:63159)
Listing Information
- MLS®
- 40860823
- Data last synced
- September 29, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: 40860823
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
$573/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$528/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: 5.0% ($21,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$340,000.00
Periodic payment — Principal & Interest (monthly)$2,193.56
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,097.65
Total monthly cost$3,291.21
Interest paid over 5-yr term$97,444.98
Balance at end of term$305,831.10
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$21,250
Stress test qualifying rate8.19%
Payment you must qualify for$3,130.57
Cash Needed at Closing
Minimum down payment$21,250
Estimated Land Transfer Tax (LTT)$4,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,725
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.
