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Property Type: Condo / ApartmentOwnership: Condominium
412 - 65 WESTMOUNT ROAD N
Waterloo, ON N2L5G6
MLS® X13739850
$289,000
2 bed2.5 bath1 parking
Amenities
GymVisitor Parking
Also listed: Storage - Locker, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
GR
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $1,130/mo
- Annual property tax
- $0
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Electricity, Insurance, Parking
Interior
- Basement
- None
- Heating
- Baseboard heaters, Radiant heat, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Sunroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
Description
Freshly updated and move-in ready, this spacious 2-bedroom, 2-bathroom residence at Westmount Towers II offers comfortable living in a highly convenient Waterloo location. Thoughtfully refreshed throughout, the unit combines a functional layout with numerous recent improvements, making it an excellent opportunity for buyers looking for a well-maintained home with key updates already completed. The bright living room flows into a separate dining area, while the kitchen offers plenty of functionality and has been updated with a new countertop, sink, backsplash, and faucet. The dishwasher is less than two years old. The primary bedroom features a private 2-piece ensuite, upgraded with a new toilet, vanity, sink, faucet, mirror, and light fixture. The spacious second bedroom is conveniently located near the 4-piece main bathroom, which features a refinished bathtub, new ceramic tile around the tub/shower, new vanity countertop, sink, and faucet. Additional updates include new flooring throughout the kitchen, living room, dining room, closet, and storage room, fresh paint in all rooms, professionally cleaned bedroom carpets, and new carpeting on the enclosed balcony. All water shut-off valves have also been replaced. The enclosed balcony provides a versatile year-round space for a sitting area, reading nook, or additional living space. The unit includes one underground parking space and a storage locker, with visitor parking and common laundry facilities available. Monthly fees include property taxes, heat, hydro, and water, providing convenient and predictable living costs. Located close to Uptown Waterloo, Waterloo Park, both universities, shopping, restaurants, public transit, and a wide range of amenities. This is a stock cooperative property, with Westmount Towers II currently undergoing conversion to condominium ownership, offering potential future ownership benefits. A great opportunity to enjoy an updated, low-maintenance home in a central Waterloo location. (id:63159)
Listing Information
- MLS®
- X13739850
- Data last synced
- October 20, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: X13739850
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:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($14,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$231,200.00
Periodic payment — Principal & Interest (monthly)$1,491.62
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,130.43
Total monthly cost$2,622.05
Interest paid over 5-yr term$66,262.58
Balance at end of term$207,965.15
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$14,450
Stress test qualifying rate8.19%
Payment you must qualify for$2,128.79
Cash Needed at Closing
Minimum down payment$14,450
Estimated Land Transfer Tax (LTT)$2,810
Legal / closing costs (typical estimate)$1,500
Total cash needed$18,760
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.
