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Property Type: TownhouseOwnership: Condominium
99 ROGER Street Unit# 61
Waterloo, ON N2J1A4
MLS® 40858425
$530,000
2 bed2 bath2 parking1,124 sqft
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
GR1
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $280/mo
- Annual property tax
- $3,754
Maintenance Fee Includes
Also included: Landscaping, Insurance, Parking
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Lower level | — |
| 4pc Bathroom | Main level | — |
| Utility room | Lower level | 8'2'' x 4'9'' |
| Primary Bedroom | Lower level | 10'11'' x 12'2'' |
| Bedroom | Main level | 11'4'' x 9'0'' |
| Kitchen | Main level | 9'2'' x 13'1'' |
| Dining room | Main level | 7'9'' x 13'1'' |
| Living room | Main level | 11'11'' x 11'3'' |
Description
Welcome to Spur Line Commons - a tacked 2-bedroom, 2-storey condo townhouse located in one of Waterloo's newest and most sought-after communities. This executive-style home offers the perfect blend of modern design, upscale finishes, and unbeatable convenience, making it an exceptional opportunity for first-time buyers, professionals, students, and investors alike. Step inside to discover a bright and sophisticated interior featuring oversized picture windows that flood the space with natural light, top-quality vinyl flooring throughout, and a thoughtfully designed open-concept layout. The chef-inspired kitchen is the heart of the home, complete with quartz countertops, stylish backsplash tile, sleek cabinetry, and upgraded finishes that combine style and functionality effortlessly. The versatile two-storey layout offers excellent privacy and flexibility, with spacious bedrooms, upgraded bathrooms with contemporary finishes, and multiple balconies perfect for enjoying your morning coffee or relaxing after a long day. Ideally situated just minutes from the University of Waterloo, Wilfrid Laurier University, LRT transit, parks, schools, banks, restaurants, Downtown Kitchener, Grand River Hospital, and the popular Spur Line Trail, this location truly puts everything at your fingertips. With strong rental demand and incredible walkability, this property offers outstanding lifestyle appeal and investment potential in the heart of Uptown Waterloo. (id:63159)
Listing Information
- MLS®
- 40858425
- Data last synced
- September 15, 2026
EXP REALTY OF CANADA INC
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY OF CANADA INC
MLS® Number: 40858425
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
$472/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$367/sqft
8 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:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.3% ($28,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$424,000.00
Periodic payment — Principal & Interest (monthly)$2,735.50
Additional monthly expenses (condo fees, tax, utilities, etc.)$648.52
Total monthly cost$3,384.03
Interest paid over 5-yr term$121,519.62
Balance at end of term$381,389.37
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$28,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,892.38
Cash Needed at Closing
Minimum down payment$28,000
Estimated Land Transfer Tax (LTT)$7,075
Legal / closing costs (typical estimate)$1,500
Total cash needed$36,575
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.
