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Property Type: Condo / ApartmentOwnership: Condominium
424 - 257 HEMLOCK STREET
Waterloo, ON N2L0K2
MLS® X13639822
$280,000
1 bed1 bath0 parking
Amenities
GymVisitor Parking
Also listed: Canopy, Separate Electricity Meters, Separate Heating Controls
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $430/mo
- Annual property tax
- $2,821.5
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Bathroom | Main level | — |
Description
Turnkey, fully furnished living in the heart of Waterloo! Welcome to SAGE X, ideally located just steps from the University of Waterloo, Wilfrid Laurier University, Conestoga College's Waterloo campus, the ION LRT and everyday amenities. This bright and modern 1-bedroom suite features a bright west exposure, laminate flooring throughout, a contemporary kitchen with granite countertops and stainless steel appliances, ensuite laundry and a spacious balcony complete with an outdoor electrical outlet. Offered fully furnished with a bed, TV, desks, bookshelves, dining set and more, it's truly move-in or rent-out-ready. Building amenities include a rooftop terrace, fitness centre, study room, bike storage and visitor parking. An outstanding opportunity for investors, students, first-time buyers or young professionals seeking low-maintenance living in one of Waterloo's most convenient locations. (id:63159)
Listing Information
- MLS®
- X13639822
- Data last synced
- September 28, 2026
SAGE REAL ESTATE LIMITED
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SAGE REAL ESTATE LIMITED
MLS® Number: X13639822
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: 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: 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% ($14,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$224,000.00
Periodic payment — Principal & Interest (monthly)$1,445.17
Additional monthly expenses (condo fees, tax, utilities, etc.)$665.61
Total monthly cost$2,110.78
Interest paid over 5-yr term$64,199.04
Balance at end of term$201,488.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$14,000
Stress test qualifying rate8.19%
Payment you must qualify for$2,062.50
Cash Needed at Closing
Minimum down payment$14,000
Estimated Land Transfer Tax (LTT)$2,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$18,175
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.
