710 - 321 Spruce Street

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$298,000

710 - 321 Spruce Street

Waterloo · MLS® X13629528

Condo · Single Family · 84 days on market

listed by JENNY BAI, CENTURY 21 MYPRO REALTY

realtor's description

Urban Loft CondoModern two-level loft-style condo in the heart of Waterloo, steps from the University of Waterloo, Wilfrid Laurier University, and Conestoga College. This bright 1-bedroom + den (or second bedroom), 2-bathroom loft suite features an open-concept main floor with soaring windows and abundant natural light. The contemporary kitchen offers stainless steel appliances and flows into a spacious living area ideal for studying, relaxing, or entertaining. Upstairs, the private loft primary bedroom is complemented by a flexible den that serves as a second bedroom or home office. Dual full bathrooms (one on each level) and in-suite laundry provide everyday convenience.Located in Waterloo's vibrant urban core, enjoy cafés, restaurants, shopping, parks, and transit all within walking distance. Perfect for students or young professionals seeking style, flexibility, and an unbeatable location.

property details

type: Condo, Single Family
bedrooms: 2
bathrooms: 2
parking: 0
property tax: $3,982 / yr
strata fee: $746 / mo
strata rules: Pets not Allowed
days on market: 84
MLS®: X13629528

features

Carpet Free
Pets not Allowed
Oven - Built-In

monthly cost

$2,377/mo

Mortgage $1,298 · Tax $332 · Strata $746

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing; strata fee from the listing.

estimated payment

$1,298/ monthly

loan $238,400

25-year amortization

down payment20% · $59,60020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 24, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $151,107
cash to close: $59,600; down payment; transfer tax and fees not included
total paid: $389,507

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer.