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Property Type: TownhouseOwnership: Freehold
113 CHURCHILL Street
Waterloo, ON N2L2X1
MLS® 40857764
$525,000
5 bed2.5 bath2 parking1,453 sqftBuilt 1978
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Frontage
- 24 feet
R7
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Condo / maintenance fee
- $0/mo
- Annual property tax
- $3,881.42
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Second level | 6'11'' x 7'4'' |
| Bedroom | Main level | 12'2'' x 9'4'' |
| 2pc Bathroom | Basement | 6'0'' x 4'6'' |
| Laundry room | Basement | 12'9'' x 11'4'' |
| Primary Bedroom | Second level | 13'7'' x 12'1'' |
| Bedroom | Second level | 10'5'' x 8'9'' |
| Bedroom | Second level | 13'6'' x 10'11'' |
| Kitchen | Main level | 10'11'' x 11'6'' |
| Bedroom | Main level | 9'4'' x 12'2'' |
| Living room | Main level | 10'11'' x 11'5'' |
Description
Over $3100 of monthly gross income available here! Discover a rare opportunity in Waterloo’s sought-after Beechwood/University district—a fully licensed 5-bedroom freehold (no condo fees) townhouse that’s been thoughtfully modernized and maintained - ideal for today’s parent-buyers and savvy investors. Perfectly positioned to target University of Waterloo students, 113 Churchill offers the ideal blend of location, lifestyle, and long-term value. Whether you’re securing a safe, comfortable home for your university-bound child or adding a high-performing asset to your portfolio, this property stands out from the rest. Inside, you’ll find a custom, modern Heart & Home kitchen—a rare upgrade in this neighbourhood—paired with modern vinyl plank flooring throughout the main and second levels. A beautifully updated four-piece bathroom with a Maax one-piece tub surround, fresh finishes, and a functional layout create a bright, welcoming environment for students and young professionals alike. Five furnished bedrooms provide flexibility for parent-buyers who want their child to live with friends, while investors will appreciate the licensed (City approved) layout. Major capital improvements—including a Payne high-efficiency furnace (2015), new roof (2016), new windows (2016), and a new water heater (2024) water heater—deliver peace of mind for years to come. The basement features a convenient two-piece bath, laundry area, and access to the single-car garage. Outside, a private backyard offers space to unwind, study, or gather with friends. With the ability to provide vacant possession, this home is move-in ready for September or January intakes—an exceptional advantage for parent-buyers navigating tight timelines. A modernized, licensed, turnkey 5-bedroom home in one of Waterloo’s most reliable student corridors—113 Churchill is the opportunity you’ve been waiting for. (id:63159)
Listing Information
- MLS®
- 40857764
- Data last synced
- October 17, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40857764
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$361/sqft
Building average
—
No other active listings in this building
417 - Beechwood/University average
$304/sqft
12 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
Nearest station: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.2% ($27,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$420,000.00
Periodic payment — Principal & Interest (monthly)$2,709.70
Additional monthly expenses (condo fees, tax, utilities, etc.)$396.45
Total monthly cost$3,106.15
Interest paid over 5-yr term$120,373.21
Balance at end of term$377,791.36
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$27,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,857.49
Cash Needed at Closing
Minimum down payment$27,500
Estimated Land Transfer Tax (LTT)$6,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$35,975
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.
