639 Albert Street #7, Waterloo, ON N2L 3V5
Listed by Tamara Martin • PEAK REALTY LTD.
639 Albert Street #7 , Waterloo, ON N2L 3V5
$ 429,999
Bed Rooms
3
Bath Rooms
2
SqFt
1,084
Save
Request Showing
43 photos
Highlight
Year Built
--
ON MARKET
62
Property Type
Condo
Price per Sqft
$396
Car Garage
1.0
Open House
Sun Oct 18, 2:00pm - 3:30pm
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,084 sqft
MLS Listing ID
40854165
Style
Apartment
Bedrooms
3
Full Baths
1
Half Baths
1
HOA Fees
$316/mo
HOA Y/N
Yes
Abv Grd Liv Area
1,084
Annual Tax Amount
$2,706
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
4 - Waterloo West
Zoning
RMU-40
Direction
HEAD NORTH ON ALBERT ST. FROM COLUMBIA, TURN LEFT TO COMPLEX
Rooms
Basement
Partial, Partially Finished
Bedroom 3
3
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s)
Heating
Baseboard, Hot Water
Cooling
None
Fireplace
No
Appliance
Water Heater, Water Softener, Dishwasher, Dryer, Range Hood, Refrigerator, Stove, Washer
Laundry
In Basement
Exterior
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Utilities Available
Cable Connected, Cable Available, Electricity Connected, High Speed Internet Avail
Roof Type
Asphalt Shing
Porch
Patio
Garage
Yes
Building
Lot Description
Urban, High Traffic Area, Public Transit, Schools, Shopping Nearby
Faces
HEAD NORTH ON ALBERT ST. FROM COLUMBIA, TURN LEFT TO COMPLEX
Foundation
Concrete Perimeter, Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Apartment
Level or Stories
2
Structure Type
Aluminum Siding,Brick Veneer
New Construction
No
Others
HOA Fee Include
Insurance,Building Maintenance,Doors ,Maintenance Grounds,Trash,Roof,Snow Removal,Windows
Senior Community
No
Tax ID
230440007
Ownership
Condominium
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

Nearby Locations

Go tour this home

639 Albert Street #7

GET MORE INFORMATION

Navjot Singh
Navjot Singh

REALTOR® License ID: 5027745

+1(519) 505-5832 | navjot@teammosaic.ca

Name
Phone*
Message

By checking this box, I agree by electronic signature to the Electronic Disclosure Consent Agreement; to receive recurring marketing communication from Navjot Singh, including auto-dialed calls, texts, and artificial/prerecorded voice messages (message frequency varies; data rates may apply; reply "STOP" to opt-out of texts or "HELP" for assistance); and to the Terms of Service and Privacy Policy of this website. Consent not required to make a purchase. I understand that I can call to obtain direct assistance.