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Condo ApartmentListed 98 days ago

$274,900

321 Spruce Street 501, Waterloo, ON N2L 0G4

Waterloo · N2L 0G4

Listing brokerage: RIGHT AT HOME REALTY

Beds
1 + Den
Baths
1
Sq ft
600–699
Parking
0

Monthly costs

Maintenance

$740/mo

$1.14 per sq ft

Property taxes

$288/mo

$3,452 a year (2025)

About $1,027 a month in fees and taxes, before the mortgage.

The fee covers

  • Covered: Common Elements
  • Not covered: Heat
  • Not covered: Hydro
  • Not covered: Water
  • Not covered: Air conditioning

Bills not covered are paid by the owner.

The unit

Exposure
South
Parking
None
Locker
None
Balcony
None
Laundry
In-Suite Laundry
Possession
30-59 days

The building

321 Spruce Street 501

  • 2 for sale
  • 2 for rent

About this home

Experience luxury and convenience in this bright 1+1 bedroom condo in the heart of Waterloo, just steps from University of Waterloo, Wilfrid Laurier University, and Conestoga College. Featuring high-end finishes, stainless steel appliances, quartz countertops, and floor-to-ceiling windows, this fully furnished unit offers a spacious den that can serve as a second bedroom or office, in-suite laundry, and included high-speed internet and weekly housekeeping. Residents enjoy concierge service, an exercise/recreation room, a rooftop patio, and guest suites in this well-maintained, modern building. Immediate occupancy is available book your viewing today!

All details23 more from the listing · Interior, Building, Heating, Parking, Exterior, Taxes, Listing

Interior

Bedrooms
1 + Den
Bathrooms
1
Kitchens
1
Rooms
5
Size
600-699 sq ft

Features

  • Carpet Free

Building & Amenities

Elevator
Yes
Floor
5
Property management
Condo Board Self Manage

Heating & Cooling

Heating
Water
Heat source
Other
Cooling
Central Air

Parking

Covered spaces
0

Exterior & Lot

Style
Apartment
Exterior
Brick Veneer

Taxes & Fees

HST
Included In

Listing

MLS® number
X13541492
Type
Condo Apartment
Transaction
For Sale
Cross streets
King and University
Rooms · 6Kitchen, Great Room, Primary Bedroom, Den, Bathroom, Washroom
  • Kitchen

    Main

    2.95 × 3.53 m · 9′8″ × 11′7″

  • Great Room

    Main

    2.92 × 3.53 m · 9′7″ × 11′7″

  • Primary Bedroom

    Main

    3.99 × 2.57 m · 13′1″ × 8′5″

  • Den

    Main

    2.11 × 2.67 m · 6′11″ × 8′9″

  • Bathroom

    Main

    3 Pc Bath

  • 3-piece washroom

History

Past listings and sales for this home and building.

Location

321 Spruce Street 501, Waterloo, ON N2L 0G4 · Near King and University

Monthly cost

Estimated monthly cost

$2,244/mo

Mortgage
$1,217
Property tax
$288
Maintenance
$740
Down payment$54,980 · 20%
Interest rate4.50%

Amortization

Estimate only, for illustration. Includes mortgage default insurance when less than 20% is put down. Speak with a lender for an exact figure.

Cash to close

Cash to close

$60,028

$54,980 down + $5,048 to $6,298 in closing costs

Ontario land transfer tax
$2,599
Legal fees and disbursements
$1,500 to $2,500
Title insurance
$250 to $500
Status certificate
$100
Property tax adjustment
$170
Condo fee adjustment
$429

Estimate only, not legal or tax advice. Rates as of 2026-10-14 from Ontario, City of Toronto and CMHC published rates. Legal and title figures are typical ranges. Adjustments assume the seller prepaid the closing month. First-time rebates have eligibility rules; confirm with your lawyer.

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$274,900

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