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Property Type: Condo / ApartmentOwnership: Condominium
306 - 103 ROGER STREET
Waterloo, ON N2J0G2
MLS® X13550654
$449,900
2 bed2 bath1 parking
Property Details
Property & Lot
- Sub-type
- Apartment
RMU-20
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $484/mo
- Annual property tax
- $4,480 (2025)
Maintenance Fee Includes
Also included: Common Area Maintenance, Parking
Interior
- Basement
- None
- Heating
- Electric, Coil Fan, Other
- Fireplace
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Utility room | Main level | — |
| Bedroom | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
Description
Experience the perfect blend of comfort, convenience, and city living at 103 Roger Street, Unit 306. This spacious 2-bedroom, 2-bathroom condo offers an inviting layout with plenty of natural light and a private balcony to enjoy your morning coffee or unwind after a busy day. Set in a secure, well-maintained building with amenities including underground parking, bicycle storage, a party room, and an outdoor parkette, you'll appreciate the ease of low-maintenance living. Located just moments from Uptown Waterloo, universities, Grand River Hospital, Google, the ION LRT, shopping, dining, and entertainment, this is an ideal home for professionals, students, downsizers, or savvy investors looking to capitalize on strong rental demand in one of Waterloo's most sought-after neighborhoods. (id:63159)
Listing Information
- MLS®
- X13550654
- Tax assessment year
- 2025
- Data last synced
- September 15, 2026
CMI REAL ESTATE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CMI REAL ESTATE INC.
MLS® Number: X13550654
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: 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% ($22,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,920.00
Periodic payment — Principal & Interest (monthly)$2,322.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$857.33
Total monthly cost$3,179.42
Interest paid over 5-yr term$103,154.11
Balance at end of term$323,749.20
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,495
Stress test qualifying rate8.19%
Payment you must qualify for$3,313.99
Cash Needed at Closing
Minimum down payment$22,495
Estimated Land Transfer Tax (LTT)$5,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,468
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.
