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Property Type: Condo / ApartmentOwnership: Condominium
522 - 145 COLUMBIA STREET W
Waterloo, ON N2L0K7
MLS® X13830588
$435,500
2 bed1 bath0 parking
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $275/mo
- Annual property tax
- $3,181.68 (2025)
Maintenance Fee Includes
Also included: Insurance
Interior
- Basement
- Apartment in basement, N/A
- Heating
- Forced air, Geo Thermal
- Cooling / A/C
- Central air conditioning
Description
Welcome to Unit 522 at 145 Columbia Street West, ideally located in the heart of Waterloo's highly sought-after university district.This is an opportunity to own a property in a location where convenience and rental demand come together. With the University of Waterloo and Wilfrid Laurier University nearby, residents have easy access to campus, transit, restaurants, cafés, shopping, and everyday amenities. (id:63159)
Listing Information
- MLS®
- X13830588
- Tax assessment year
- 2025
- Data last synced
- September 26, 2026
COLDWELL BANKER THE REAL ESTATE CENTRE
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: COLDWELL BANKER THE REAL ESTATE CENTRE
MLS® Number: X13830588
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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($21,775) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$348,400.00
Periodic payment — Principal & Interest (monthly)$2,247.76
Additional monthly expenses (condo fees, tax, utilities, etc.)$539.83
Total monthly cost$2,787.59
Interest paid over 5-yr term$99,852.44
Balance at end of term$313,386.93
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$21,775
Stress test qualifying rate8.19%
Payment you must qualify for$3,207.92
Cash Needed at Closing
Minimum down payment$21,775
Estimated Land Transfer Tax (LTT)$5,185
Legal / closing costs (typical estimate)$1,500
Total cash needed$28,460
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.
