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Property Type: Condo / ApartmentOwnership: Condominium
501 - 321 SPRUCE STREET
Waterloo, ON N2L0G4
MLS® X13541492
$274,900
2 bed1 bath0 parking
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $740/mo
- Annual property tax
- $3,452
Maintenance Fee Includes
Also included: Common Area Maintenance
Interior
- Basement
- None
- Heating
- Other
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Great room | Main level | — |
| Primary Bedroom | Main level | — |
| Den | Main level | — |
| Bathroom | Main level | — |
Description
Experience luxury and convenience in this bright 1+1 bedroom condo in the heart of Waterloo, just steps from University of Waterloo, Wilfrid Laurier University, and Conestoga College. Featuring high-end finishes, stainless steel appliances, quartz countertops, and floor-to-ceiling windows, this fully furnished unit offers a spacious den that can serve as a second bedroom or office, in-suite laundry, and included high-speed internet and weekly housekeeping. Residents enjoy concierge service, an exercise/recreation room, a rooftop patio, and guest suites in this well-maintained, modern building. Immediate occupancy is available book your viewing today! (id:63159)
Listing Information
- MLS®
- X13541492
- Data last synced
- September 15, 2026
RIGHT AT HOME REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RIGHT AT HOME REALTY
MLS® Number: X13541492
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 London and St. Thomas Association of REALTORS®.
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:
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($13,745) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$219,920.00
Periodic payment — Principal & Interest (monthly)$1,418.85
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,027.24
Total monthly cost$2,446.09
Interest paid over 5-yr term$63,029.70
Balance at end of term$197,818.75
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$13,745
Stress test qualifying rate8.19%
Payment you must qualify for$2,024.93
Cash Needed at Closing
Minimum down payment$13,745
Estimated Land Transfer Tax (LTT)$2,599
Legal / closing costs (typical estimate)$1,500
Total cash needed$17,844
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.
