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Property Type: Condo / ApartmentOwnership: Condominium
639 ALBERT Street Unit# 7
Waterloo, ON N2L3V5
MLS® 40854165
$429,999
3 bed2.5 bath2 parking1,084 sqft
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 2
RMU-40
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $317/mo
- Annual property tax
- $2,706.92
Maintenance Fee Includes
Also included: Landscaping, Insurance
Interior
- Basement
- Partially finished, Partial
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 2pc Bathroom | Main level | — |
| 4pc Bathroom | Third level | — |
| Bedroom | Third level | 7'8'' x 10'4'' |
| Bedroom | Third level | 10'6'' x 10'8'' |
| Bedroom | Third level | 8'5'' x 16'6'' |
| Dining room | Second level | 10'8'' x 8'9'' |
| Living room | Second level | 10'6'' x 23'4'' |
| Kitchen | Second level | 7'11'' x 7'10'' |
Description
A three bedroom townhouse with an oversized single car garage was renovated in the last two years. Newer appliances are included. Located near Columbia Street with close proximity to the universities. Just steps to public transportation. Shopping and restaurants are within walking distance. Enjoy the private backyard/patio. Barbecues are permitted, as are pets! (id:63161)
Listing Information
- MLS®
- 40854165
- Data last synced
- October 25, 2026
Peak Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Peak Realty Ltd.
MLS® Number: 40854165
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$397/sqft
Building average
—
No other active listings in this building
421 - Lakeshore/Parkdale average
$281/sqft
17 active listing(s)
Parking: 2 stall(s) includedStorage 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% ($21,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$343,999.00
Periodic payment — Principal & Interest (monthly)$2,219.36
Additional monthly expenses (condo fees, tax, utilities, etc.)$596.32
Total monthly cost$2,815.68
Interest paid over 5-yr term$98,591.10
Balance at end of term$309,428.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$21,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,167.40
Cash Needed at Closing
Minimum down payment$21,500
Estimated Land Transfer Tax (LTT)$5,075
Legal / closing costs (typical estimate)$1,500
Total cash needed$28,075
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.
