| Heat Included |






















710 - 321 Spruce Street
, Waterloo
$298,000
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.
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| Type | Condo Apartment |
| Style | Apartment |
| Approx. Age | 6-10 |
| Size | 700-799 sq. ft. |
| Maintenance Fees | $746 |
| Locker | None |
| Balcony | None |
| Exposure | North |
| Parking Type | Underground |
| Parking Spaces | 0 |
| Parking Features | Underground |
| Property Tax | $3,982 |
| mls© Number | X13629528 |
| Listed By | CENTURY 21 MYPRO REALTY |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $1,525
- Property tax
- $332
- Heat allowance
- $150
- Condo fees, half counted
- $373
- Housing costs
- $2,380 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$73,000
gross annual household income
- Payment at 4%
- $1,254 / mo
- Cash down
- $59,600
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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