Loading…
Property Type: Detached HouseOwnership: Freehold
58 WATERLOO Street Unit# 4
Brantford, ON N3T3R8
MLS® 40849367
$538,000
4 bed2 bath2 parking1,390 sqft
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1
- Frontage
- 26 feet
RC
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,333.78
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Basement | — |
| 3pc Bathroom | Basement | — |
| Bedroom | Basement | 10'8'' x 11'11'' |
| Bedroom | Basement | 9'11'' x 12'4'' |
| 4pc Bathroom | Main level | — |
| Bedroom | Main level | 8'0'' x 10'6'' |
| Bedroom | Main level | 10'6'' x 11'10'' |
| Living room | Main level | 13'5'' x 24'4'' |
| Kitchen | Main level | 9'4'' x 10'0'' |
Description
Incredible value in one of Brantford's most walkable historic neighbourhoods. This 2004 detached bungalow gives you the best of both worlds: easy, modern one-level living on a charming tree-lined street, steps from Brant Ave., parks, schools, transit, the trails, and a short stroll to downtown. In A+ condition and clearly well cared for, the home has seen many updates over the years and is truly move-in ready. The bright, open-concept main floor offers two bedrooms, a full bathroom, and a kitchen that flows naturally into the living and dining space, with a primary bedroom featuring two closets including a large walk-in. The fully finished basement doubles your living space with two additional bedrooms, a second full bathroom, and a comfortable rec space, and a genuinely flexible layout: guest rooms, a home office, hobby space, or room for extended family, arranged however life requires. Walk out from the main level to a fully fenced backyard that's private and easy to maintain, and pull into the attached garage with inside entry — no more carrying groceries through the rain, or brushing the snow off your car. Freehold with no condo or common fees. Detached, one level, updated, finished top to bottom, with a garage — at this price, in this neighbourhood, homes like this don't come along often. Book your showing today. (id:63159)
Listing Information
- MLS®
- 40849367
- Data last synced
- September 25, 2026
Real Broker Ontario Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Real Broker Ontario Ltd
MLS® Number: 40849367
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Brantford Regional Real Estate Assn Inc.
Values & Trends
This listing
$387/sqft
Building average
—
No other active listings in this building
2042 - North Ward average
$364/sqft
15 active listing(s)
Parking: 2 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
6°C
—
Humidity 98%
Wind N calm km/h
Tonight
6°
Thursday
21°
Thursday night
7°
Friday
13°
Friday night
-1°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
104,688
(2021 Census)
+6.2% since 2016
Density: 1,061.2/km²
Dwellings:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.4% ($28,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$430,400.00
Periodic payment — Principal & Interest (monthly)$2,776.79
Additional monthly expenses (condo fees, tax, utilities, etc.)$347.82
Total monthly cost$3,124.61
Interest paid over 5-yr term$123,353.88
Balance at end of term$387,146.19
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$28,800
Stress test qualifying rate8.19%
Payment you must qualify for$3,948.20
Cash Needed at Closing
Minimum down payment$28,800
Estimated Land Transfer Tax (LTT)$7,235
Legal / closing costs (typical estimate)$1,500
Total cash needed$37,535
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
