145 Columbia Street W 522, Waterloo

$435,500
145 Columbia Street W 522

$435,500

New
29d
Condo ApartmentApartment

145 Columbia Street W 522, Waterloo

Total Monthly Obligation $2,497

HausQ Valuation Report
Bed+Den
2+1
Baths
1
Park
0
Sqft
500-599
DOM
29d
Score
21
Yield
6.1%
Cash on Cash
-1.6%
Cap Rate
4.2%
5Y IRR
14.3%
10Y IRR
13.6%
Property Type-Condo Apartment
MLS® Number-X13830588
Bed+Den-2+1
Bathrooms-1
Size-500-599 sqft
Listed on site-Sep 24, 2026
Style-Apartment
Building Type-Condo Apartment
Taxes-$3,181.68 (2025)
Maintenance-$274.69/mo
Locker-None
Parking-Underground
Basement-Apartment
Heating-Forced Air (Ground Source)
Brokerage-COLDWELL BANKER THE REAL ESTATE CENTRE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Exterior-Brick
Possession-Flexible
Title-Residential Condo & Other

No agent assigned

Welcome to Unit 522 at 145 Columbia Street West, ideally located in the heart of Waterloo's highly sought-after university district.This is an opportunity to own a property in a location where convenience and rental demand come together. With the University of Waterloo and Wilfrid Laurier University nearby, residents have easy access to campus, transit, restaurants, cafés, shopping, and everyday amenities.

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$348,400
Land Transfer Taxes$5,185
Legal Fees (Est.)
$
Total cash required for closing$93,785

Total Monthly Obligation

$2,497/mo
Mortgage $1,757
Monthly Loss $2,034
Principal$462
Interest$1,294
Property Tax$265
Condo Fees$275
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
3.4%21
Cash-on-Cash
-6.7%2
5-Year IRR
10.5%39
10-Year IRR
11.1%
Returns Index
20.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$26,352/yr
NOI
$14,839/yr
Net Cash Flow
-$520/mo
Cash Margin
-23.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7010
LTV Ratio
80.0%18
Vacancy Buffer
3.8 mo66
Risk Index
31.5/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 145 Columbia Street W 522

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

Data is provided courtesy of PropTx.

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Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

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The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.