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Property Type: Condo / ApartmentOwnership: Condominium
807 - 4 WILLOW STREET
Waterloo, ON N2J1V5
MLS® X13812222
$499,999
2 bed2 bath1 parking
Amenities
Gym
Also listed: Storage - Locker, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $980/mo
- Annual property tax
- $4,452
Maintenance Fee Includes
Water
Also included: Insurance, Parking
Interior
- Basement
- Crawl space, None
- Heating
- Forced air, Electric
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Family room | Flat | — |
| Living room | Flat | — |
| Dining room | Flat | — |
| Kitchen | Flat | — |
| Primary Bedroom | Flat | — |
| Bedroom 2 | Flat | — |
Description
Welcome to this bright and spacious move-in ready condo located in one of Waterloo's most sought-after neighborhoods. This well-maintained unit features a modernized kitchen with stainless-steel appliances and a convenient built-in desk nook-perfect for working from home. The open-concept living and dining area flows into a sun-filled solarium/den, creating a comfortable and versatile living space with beautiful northern exposure. The unit offers 2 generous bedrooms and 2 full bathrooms, ideal for comfortable everyday living. Residents enjoy a well-managed building with a variety of amenities like Gym, Sauna, Swimming pool and conveniences. Ideally located just steps from Downtown Waterloo, with easy access to the ION Light Rail Transit, GO Transit connections, shops, restaurants, and parks including Mary Allen Park. Also minutes from University of Waterloo and Wilfrid Laurier University. A fantastic opportunity to own in a high-demand Waterloo location. (id:63159)
Listing Information
- MLS®
- X13812222
- Data last synced
- September 23, 2026
SAM MCDADI REAL ESTATE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SAM MCDADI REAL ESTATE INC.
MLS® Number: X13812222
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% ($25,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,999.00
Periodic payment — Principal & Interest (monthly)$2,580.66
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,350.84
Total monthly cost$3,931.50
Interest paid over 5-yr term$114,640.86
Balance at end of term$359,800.39
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$25,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,683.02
Cash Needed at Closing
Minimum down payment$25,000
Estimated Land Transfer Tax (LTT)$6,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,975
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.
