Loading…
Property Type: TownhouseOwnership: Freehold
111 CHURCHILL STREET
Waterloo, ON N2L2X1
MLS® X13581052
$399,000
5 bed2 bath3 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 24 x 110 FT
- Frontage
- 24 feet
MD1
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $3,891 (2025)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Bedroom 5 | Second level | — |
Description
Investors and parents take note of this great investment opportunity! excellent location! licensed 5 bedroom free hold- no condo fee student rental, walking distance to universities of waterloo and close to university of laurier as well as amenities. Main floor consists of good size eat-in kitchen, spacious living room and 2 bedrooms, walk out to backyard from living room. Upper level features 3 bedrooms with 4pc bathroom, lower level features 3 pcs bathroom, laundry area, storage and entry to the garage. Driveway parking for 2 cars plus 1 in the garage. Easy to rent, this townhouse is available for immediate purchase. Don't miss the excellent potential gross annual income opportunity of $ 33, 000. (id:63159)
Listing Information
- MLS®
- X13581052
- Tax assessment year
- 2025
- Data last synced
- September 15, 2026
Century 21 People's Choice Realty Inc., Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Century 21 People's Choice Realty Inc., Brokerage
MLS® Number: X13581052
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 The Oakville, Milton & District 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: 3 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($19,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$319,200.00
Periodic payment — Principal & Interest (monthly)$2,059.37
Additional monthly expenses (condo fees, tax, utilities, etc.)$324.25
Total monthly cost$2,383.62
Interest paid over 5-yr term$91,483.64
Balance at end of term$287,121.43
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$19,950
Stress test qualifying rate8.19%
Payment you must qualify for$2,939.06
Cash Needed at Closing
Minimum down payment$19,950
Estimated Land Transfer Tax (LTT)$4,460
Legal / closing costs (typical estimate)$1,500
Total cash needed$25,910
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.
