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Property Type: Condo / ApartmentOwnership: Condominium
275 LARCH Street Unit# F-114
Waterloo, ON N2L0J3
MLS® 40857931
$289,900
1 bed1 bath498 sqft
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
NMU6
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $267/mo
- Annual property tax
- $2,192
Maintenance Fee Includes
Water
Also included: Landscaping, Insurance
Interior
- Basement
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Main level | 10'11'' x 9'8'' |
| Living room | Main level | 7'5'' x 9'11'' |
| Kitchen | Main level | 11'6'' x 11'2'' |
| Dining room | Main level | 6'10'' x 9'11'' |
| 4pc Bathroom | Main level | — |
Description
This unit is steps away from the University. Step outside and you are literally minutes from campus, offering total convenience. This vacant, move-in-ready unit is primed for the right buyer and is accepting offers anytime. It’s a rare opportunity in Waterloo’s student district for students, investors, or young professionals. This unit, located in the 275 Larch building, offers a bright, clean, and efficient space in one of Waterloo’s most prominent student locations. The building is well-kept and carries lower fees than many nearby options, with water and Wi-Fi included, making it a practical choice for comfortable living in the heart of Waterloo’s vibrant University District. Inside, you’ll notice how the soaring ceilings transform the feel of the entire unit compared to others, making the space feel much larger and more open. Features include stainless steel appliances, chic kitchen cabinets, a well-designed layout that makes great use of space, and the added bonus of being furnished for an easier transition. Included are a microwave, TV, stand, couch, coffee table, bed, dining table with chairs, and a desk. It’s modern, easy to maintain, and just minutes from the University of Waterloo, Laurier, transit, restaurants, and everyday amenities. A simple, smart option for students or young professionals who want reliable living in a neighbourhood that’s always in demand. Schedule a private viewing today to experience everything this unit has to offer. (id:63159)
Listing Information
- MLS®
- 40857931
- Data last synced
- September 15, 2026
CENTURY 21 HERITAGE HOUSE LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CENTURY 21 HERITAGE HOUSE LTD.
MLS® Number: 40857931
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
$582/sqft
Building average
—
No other active listings in this building
417 - Beechwood/University average
$507/sqft
51 active listing(s)
Parking: Not indicatedStorage 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($14,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$231,920.00
Periodic payment — Principal & Interest (monthly)$1,496.27
Additional monthly expenses (condo fees, tax, utilities, etc.)$474.67
Total monthly cost$1,970.94
Interest paid over 5-yr term$66,468.94
Balance at end of term$208,612.79
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$14,495
Stress test qualifying rate8.19%
Payment you must qualify for$2,135.42
Cash Needed at Closing
Minimum down payment$14,495
Estimated Land Transfer Tax (LTT)$2,824
Legal / closing costs (typical estimate)$1,500
Total cash needed$18,819
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.
