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Property Type: TownhouseOwnership: Condominium
10 - 435 WINCHESTER DRIVE
Waterloo, ON N2T0B7
MLS® X13804900
$939,900
4 bed4.5 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $581/mo
- Annual property tax
- $7,578.66 (2025)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- Yes (1)
Description
This upscale 2014-built condo townhome offers more than 2,100 square feet of thoughtfully designed living space in the quiet Upper Beechwood neighbourhood. The main level features an open layout with 9-foot ceilings, sleek flooring, and abundant pot lighting that creates a bright, airy feel. The stylish kitchen is built for both everyday use and entertaining, while the living room opens directly to a private patio with a newer retractable awning-perfect for morning coffee or evening relaxation. The home backs directly onto walking trails, giving you immediate access to green space and an easy way to keep active. Upstairs, you'll find two large primary suites for added flexibility and comfort, as well as a family room. The finished basement is spacious and includes an additional bedroom, full bathroom and recroom. Four bathrooms serve the home well, whether for family, guests, or visitors. Outside, the double attached garage is complemented by two additional parking spaces on the double driveway. This is low-maintenance, turnkey living in a highly desirable community popular with downsizers and retirees. Condo fees are reasonable, and the location is convenient: a short drive to amenities along Fischer-Hallman Road and under 10 minutes to the heart of Uptown Waterloo. A well-built, move-in ready home that balances space, quality, and ease in one of Waterloo's quieter pockets. (id:63159)
Listing Information
- MLS®
- X13804900
- Tax assessment year
- 2025
- Data last synced
- September 19, 2026
CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD
MLS® Number: X13804900
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Waterloo average
$362/sqft
90 active listing(s)
Parking: 4 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
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.3% ($68,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$751,920.00
Periodic payment — Principal & Interest (monthly)$4,851.13
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,212.76
Total monthly cost$6,063.89
Interest paid over 5-yr term$215,502.43
Balance at end of term$676,354.47
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$68,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,752.81
Cash Needed at Closing
Minimum down payment$68,990
Estimated Land Transfer Tax (LTT)$15,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$85,763
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.
