Loading…
Property Type: Condo / ApartmentOwnership: Condominium
4 WILLOW Street Unit# 1104
Waterloo, ON N2J4S2
MLS® 40858924
$579,000
2 bed2 bath1 parking1,210 sqftBuilt 1989
Amenities
Gym
Also listed: Guest Suite, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
RMU-81
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $928/mo
- Annual property tax
- $4,053.3
Maintenance Fee Includes
WaterManagement
Also included: Insurance, Parking
Interior
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Main level | — |
| 3pc Ensuite bath | Main level | — |
| 3pc Bathroom | Main level | — |
| Primary Bedroom | Main level | 11'0'' x 14'0'' |
| Bedroom | Main level | 9'0'' x 12'0'' |
| Kitchen | Main level | 9'9'' x 13'0'' |
| Living room/Dining room | Main level | 11'0'' x 20'0'' |
Description
OPEN HOUSE SUNDAY OCTOBER 25TH 2-3;30 !! Welcome to your beautifully renovated retreat in the heart of Uptown Waterloo in one of the most premier condo buildings that Waterloo has to offer! This spacious 2 bedroom, 2 bath, 1210 sq ft modern condo features engineered maple hardwood floors throughout and an open concept design that seamlessly connects the modern kitchen and living area. Enjoy abundant natural lighting from the south facing windows. The stylish bathrooms have been tastefully updated with new glass showers, cabinetry, lighting and mirrors. With a new furnace installed in 2019 you can relax in year round comfort. The washer/dryer unit was also recently purchased (2026) The 2nd bedroom has had frosted pocket doors installed. As a resident, you will have access to fantastic amenities, including an indoor pool with patio and lounge area, sauna, exersize room, party room and billiard room. Located just a short stroll away from an array of patio restaurants, shopping and a vibrant downtown scene. This fantastic condo offers the ultimate urban lifestyle! Dont miss your chance to call this condo your new home! (id:63161)
Listing Information
- MLS®
- 40858924
- Data last synced
- October 29, 2026
Re/Max Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Twin City Realty Inc.
MLS® Number: 40858924
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
$479/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$542/sqft
35 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
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.7% ($32,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$463,200.00
Periodic payment — Principal & Interest (monthly)$2,988.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,326.53
Total monthly cost$4,314.93
Interest paid over 5-yr term$132,754.45
Balance at end of term$416,649.90
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$32,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,234.32
Cash Needed at Closing
Minimum down payment$32,900
Estimated Land Transfer Tax (LTT)$8,055
Legal / closing costs (typical estimate)$1,500
Total cash needed$42,455
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.
