- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 900–999sq ft
- Per sq ft
- $474at the range’s middle
- Tax a year
- $4,4802025 tax year
- Built
- 0-5
- Parking
- 11 underground
- Days on market
- Members
The brief
About 306-103 Roger St
306-103 Roger St is a 2-bedroom, 2-bathroom condo in Waterloo, listed for sale at an asking price of $449,900 (MLS® X13550654).
Experience the perfect blend of comfort, convenience, and city living at 103 Roger Street, Unit 306. This spacious 2-bedroom, 2-bathroom condo offers an inviting layout with plenty of natural light and a private balcony to enjoy your morning coffee or unwind after a busy day. Set in a secure, well-maintained building with amenities including underground parking, bicycle storage, a party room, and an outdoor parkette, you'll appreciate the ease of low-maintenance living. Located just moments from Uptown Waterloo, universities, Grand River Hospital, Google, the ION LRT, shopping, dining, and entertainment, this is an ideal home for professionals, students, downsizers, or savvy investors looking to capitalize on strong rental demand in one of Waterloo's most sought-after neighborhoods.
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall32/100−$810/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 45 condos with 2 bedrooms for lease in Waterloo right now. Cost of owning counts the mortgage, property tax and the condo fee.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $4,480 / 2025
- MLS® number
- X13550654
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Building Age
- 0-5
- Days on market
- Size
- 900-999 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- 1 Storey/Apt
- Municipality
- Waterloo
Building
- Size
- 900-999 sqft
- Building Age
- 0-5
- Construction
- Brick
Inside
- Bedrooms
- 2
- Bathrooms
- 2
- Bathroom Details
- 2 × 3pc
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Cooling
- Other
- Heating Type
- Fan Coil
Additional
- Foundation
- Poured Concrete
- Roof
- Flat
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- All permanently affixed fixtures are included. Seller provides no representations or warranties. Property sold in "as is, where is" condition. Sale conducted under Power of Sale.
- Condo maint.
- $484
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.8 × 4.8 m | — | Main |
| Utility | 1.9 × 2.2 m | — | Main |
| Br | 3.1 × 3.8 m | — | Main |
| Living | 3.7 × 4.2 m | — | Main |
| Primary | 3.4 × 4.0 m | — | Main |
| Bathroom | 1.6 × 2.3 m | — | Main |
Listing history
Buy/sell history for 306-103 Roger St, Waterloo, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $449,900 | N/A | For Sale | X13550654 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $89,980
- Total mortgage amount
- $359,920
- Total interest payment
- $255,980
- Total purchase cost
- $705,880
- Mortgage payment
- $2,053/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
52%Monthly carrying cost
$2,910- Rent $2,100
- Shortfall $810
Rental income opens at $2,100, the median asking rent of 45 comparable homes for lease in Waterloo. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $5,473
- Total land transfer tax
- $5,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $1,473
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $449,900
- $998
- Ontario total
- $5,473
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m33 test or monitoring holes also recorded.250 m
- Groundwater recorded about 7.6 m below ground nearbyThe middle water level in the well records within 500 m (118 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 8.9 km8.9 km
Province of Ontario open data
Around the home2
- Nearest rail line: 300 m300 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is AirBoss of America Corp. — RUBBER SOLUTIONS DIVISION, 970 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Enova Power Corp.At the address
- Wired internet 50/10 Mbps or faster is listed at a household 70 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (70 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.70 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, Waterloo Wireless, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Condos for sale in Waterloo right now
- For sale now
- 140
- Median asking price
- $393K
- New in 7 days
- 8
- Price cuts
- 22%
Middle half: $324K to $473K
41 in 28 days
31 listings
This home is asking 14% above the median.
See all homes in WaterlooAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Grand River Hospital | GRT light rail: ION light rail | 350 m |
| Allen | GRT light rail: ION light rail | 650 m |
| Willis Way | GRT light rail: ION light rail | 1.1 km |
| Waterloo Public Square | GRT light rail: ION light rail | 1.1 km |
| Kitchener GO | GO Transit train: Kitchener | 1.5 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx; GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Elizabeth Ziegler Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 500 m | 75%Grade 6 average |
| King Edward Public SchoolWaterloo Region DSB | Public · grades JK–6 | 700 m | 61%Grade 6 average |
| St John Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 1.3 km | 56%Grade 6 average |
| École élémentaire L'HarmonieConseil scolaire Viamonde | French-language public · grades JK–8 | 1.3 km | 84%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Kitchener Waterloo Collegiate and Vocational SchoolWaterloo Region DSB | Public · grades 9–12 · French Immersion | 500 m | 73%Grade 9 math |
| Bluevale Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 1.9 km | 75%Grade 9 math |
| St David Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 · French Immersion | 3.1 km | 67%Grade 9 math |
| École secondaire David Saint-JacquesConseil scolaire Viamonde | French-language public · grades 9–12 | 8.4 km | 70%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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Sold prices in Waterloo are shown to signed-in members.