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Property Type: Detached HouseOwnership: Freehold
12 GEORGE STREET
Waterloo, ON N2J1K5
MLS® X14025236
$1,599,000
3 bed4 full, 2 half bath2 parking
Amenities
Also listed: Separate Heating Controls
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 3
- Lot size
- 30 x 102 FT
- Frontage
- 30 feet
GR
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $11,905 (2026)
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning, Air exchanger
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Laundry room | Second level | — |
| Primary Bedroom | Second level | — |
| Other | Second level | — |
| Family room | Third level | — |
| Bathroom | Third level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Other | Basement | — |
| Dining room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
Description
Offering over 3,500 square feet of impeccably finished, carpet-free living space, this exceptional residence perfectly balances, sophisticated design with the ease and vibrancy of Uptown living. Every detail has been thoughtfully considered, from rich hardwood flooring and porcelain tile to coffered ceilings, oversized windows, and custom millwork that lend warmth and timeless elegance throughout. The beautifully appointed kitchen features quartz countertops, custom cabinetry, built-in appliances, an apron-front sink, beverage fridge, and pot filler, while the adjoining living spaces invite everything from holiday celebrations to cozy nights by the fire. A private main-floor office offers a quiet retreat for those who work from home, while the custom mudroom keeps daily life beautifully organized. At day's end, escape to the primary suite-a sanctuary designed for rest and renewal. Beneath the raised tray ceiling, two custom walk-in closets provide exceptional storage, while the spa-inspired ensuite transforms ordinary routines into indulgent rituals with heated floors, a steam shower, soaker tub, double vanity, and private water closet. Two additional bedrooms and a beautifully appointed bath provide comfort for family and guests. Above it all, the rare third-floor loft offers endless possibilities as a family lounge, media room, home gym, creative studio, or guest retreat, complete with its own bathroom and separate climate control. Outside, the composite deck and fully fenced backyard extend the living space outdoors, offering privacy and a manageable lawn area where pets can play without compromising the low-maintenance lifestyle so often desired in Uptown living. Just steps from acclaimed restaurants, cafe's, parks, trails, the LRT, and the energy of Uptown Waterloo, this is more than a beautiful home-it's a lifestyle defined by connection, convenience, and effortless luxury. (id:63161)
Listing Information
- MLS®
- X14025236
- Tax assessment year
- 2026
- Data last synced
- October 27, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14025236
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
$436/sqft
188 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: 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: 20.0% ($319,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,279,200.00
Periodic payment — Principal & Interest (monthly)$8,252.96
Additional monthly expenses (condo fees, tax, utilities, etc.)$992.08
Total monthly cost$9,245.05
Interest paid over 5-yr term$366,622.40
Balance at end of term$1,150,644.54
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$319,800
Stress test qualifying rate8.19%
Payment you must qualify for$9,918.59
Cash Needed at Closing
Minimum down payment$319,800
Estimated Land Transfer Tax (LTT)$28,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$349,755
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.
