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Property Type: Condo / ApartmentOwnership: Condominium
1907 - 181 KING STREET S
Waterloo, ON N2J1P7
MLS® X14097638
98
Walk Score
60
Transit
97
Bike
$998,900
2 bed2 bath2 parking
98
Walk Score
60
Transit
97
Bike
Amenities
Gym
Also listed: Storage - Locker, Separate Heating Controls, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $1,496/mo
- Annual property tax
- $7,247
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Living room | Main level | — |
| Eating area | Main level | — |
| Kitchen | Main level | — |
| Laundry room | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
Description
Set on the top residential floor of Circa 1877, this exceptional corner residence offers the space, light and privacy rarely found in Uptown condo living. One of the building's most substantial two-bedroom homes, it feels less like a conventional condominium and more like a private residence above the city. Soaring ceilings and expansive windows fill the interior with natural light while framing panoramic north and east views. The generously proportioned living room offers ample space to relax and entertain, while separate dining and breakfast areas provide flexibility most condo layouts do not. The contemporary kitchen anchors the home with sleek cabinetry, quartz countertops, built-in appliances, a subway-tile backsplash and a generous centre island. Its open connection to the breakfast area and living room keeps the layout social, while the separate dining space accommodates more formal occasions. The principal bedroom is exceptionally spacious and complemented by a private four-piece ensuite including a generous walk-in shower and an electrical outlet for a bidet. A well-proportioned second bedroom and additional four-piece bathroom with a built-in jetted tub/shower and an electrical outlet for a bidet provide comfortable accommodations for guests, family or a home office. An oversized in-suite laundry room with sink adds everyday practicality. Two private balconies offer elevated views and quiet places to begin or end the day. Two side-by-side underground parking spaces and a private storage locker further distinguish the residence. Residents of Circa enjoy an outdoor pool and cabanas, fitness and yoga spaces, resident lounges, co-working areas, guest accommodations, lobby access to an incredible restaurant and community BBQ spaces. Vincenzo's, the Bauer Marketplace, the ION LRT, Uptown Waterloo and Belmont Village are all close at hand. A true penthouse offering with remarkable scale, exceptional light and one of Uptown Waterloo's most connected addresses. (id:63161)
Listing Information
- MLS®
- X14097638
- Data last synced
- October 21, 2026
THE AGENCY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: THE AGENCY
MLS® Number: X14097638
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Waterloo average
$476/sqft
185 active listing(s)
Parking: 2 stall(s) includedStorage locker: Included
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% ($74,890) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$799,120.00
Periodic payment — Principal & Interest (monthly)$5,155.65
Additional monthly expenses (condo fees, tax, utilities, etc.)$2,099.58
Total monthly cost$7,255.23
Interest paid over 5-yr term$229,030.09
Balance at end of term$718,811.02
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$74,890
Stress test qualifying rate8.19%
Payment you must qualify for$7,164.53
Cash Needed at Closing
Minimum down payment$74,890
Estimated Land Transfer Tax (LTT)$16,453
Legal / closing costs (typical estimate)$1,500
Total cash needed$92,843
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.
