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Property Type: Condo / ApartmentOwnership: Condominium
404 - 45 WESTMOUNT ROAD N
Waterloo, ON N2L2R3
MLS® X13504148
$329,000
2 bed1 bath1 parking
Amenities
Visitor Parking
Also listed: Storage - Locker
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $974/mo
- Annual property tax
- $2,348
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Electricity, Insurance, Parking
Interior
- Basement
- None
- Heating
- Baseboard heaters, Electric
Description
Bright and spacious 2-bedroom condo in the heart of Waterloo. This corner unit boasts a bright, spacious layout with large windows, filling the space with natural light. The larger semi-enclosed sunroom is perfect for relaxing. The bedrooms are generously sized with ample closet space. Located right across from Westmount Place Mall, this condo offers easy access to multiple bus routes, and the LRT, and is just minutes from Uptown Waterloo, making commuting a breeze. Steps away from shopping, public transit, and Waterloos universities, this home is move-in-ready and ideal for first-time buyers, investors, or those looking to downsize. The unit comes with one underground parking and locker. This building offers ample parking, and condo fees cover all utilities (heat, hydro, and water). (id:63159)
Listing Information
- MLS®
- X13504148
- Data last synced
- September 15, 2026
PROPERTY.CA INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: PROPERTY.CA INC.
MLS® Number: X13504148
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: 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:
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($16,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$263,200.00
Periodic payment — Principal & Interest (monthly)$1,698.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,169.99
Total monthly cost$2,868.06
Interest paid over 5-yr term$75,433.88
Balance at end of term$236,749.25
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$16,450
Stress test qualifying rate8.19%
Payment you must qualify for$2,423.43
Cash Needed at Closing
Minimum down payment$16,450
Estimated Land Transfer Tax (LTT)$3,410
Legal / closing costs (typical estimate)$1,500
Total cash needed$21,360
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.
