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Property Type: TownhouseOwnership: CondominiumNEW LISTING
A302 - 112 UNION STREET E
Waterloo, ON N2J0E4
MLS® X14114056
85
Walk Score
58
Transit
90
Bike
$499,000
2 bed2 bath1 parking
85
Walk Score
58
Transit
90
Bike
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $563/mo
- Annual property tax
- $3,680.9
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Bedroom 2 | Main level | — |
| Primary Bedroom | Upper Level | — |
Description
Stylish 2-Bedroom Condo Townhouse in Waterloo! This inviting 2-bedroom, 2-bathroom condo townhouse features 9-ft ceilings, large windows, and is carpet-free throughout. The modern kitchen boasts quartz countertops and stainless steel appliances. While the bright, open-concept main floor seamlessly connects the kitchen and living area, creating an ideal space for everyday living and entertaining. Upstairs, the spacious primary bedroom offers **two** walk-in closets, one with custom built in organizers, and a private balcony, providing the perfect peaceful place to unwind. The second bedroom also connects to a semi-ensuite bathroom. Enjoy the convenience of ensuite laundry on the second floor. Easy Hwy access and minutes From The Shops at Waterloo Town Square, University of Waterloo, Restaurants, Cafes, and Kitchener Go! Perfect for first-time buyers, professionals, or investors seeking stylish, low-maintenance living in a convenient Waterloo location! (id:63161)
Listing Information
- MLS®
- X14114056
- Data last synced
- October 26, 2026
SUTTON GROUP REALTY SYSTEMS INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SUTTON GROUP REALTY SYSTEMS INC.
MLS® Number: X14114056
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
$362/sqft
90 active listing(s)
Parking: 1 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: 5.0% ($24,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,200.00
Periodic payment — Principal & Interest (monthly)$2,575.50
Additional monthly expenses (condo fees, tax, utilities, etc.)$869.53
Total monthly cost$3,445.03
Interest paid over 5-yr term$114,411.87
Balance at end of term$359,081.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,950
Stress test qualifying rate8.19%
Payment you must qualify for$3,675.66
Cash Needed at Closing
Minimum down payment$24,950
Estimated Land Transfer Tax (LTT)$6,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,905
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.
