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Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED
128 SUNPOINT Crescent
Waterloo, ON N2V1V1
MLS® 40872915
28
Walk Score
32
Transit
71
Bike
$939,900
3 bed3.5 bath3 parking1,776 sqftBuilt 1985
28
Walk Score
32
Transit
71
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 50 feet
SR1A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,227.75
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Other | Basement | 37'1'' x 28'5'' |
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 10'0'' x 11'4'' |
| Bedroom | Second level | 14'1'' x 11'4'' |
| 4pc Ensuite bath | Second level | — |
| Primary Bedroom | Second level | 14'9'' x 15'4'' |
| Laundry room | Main level | 11'1'' x 6'11'' |
| Office | Main level | 10'7'' x 9'0'' |
| Dining room | Main level | 8'0'' x 14'8'' |
| Kitchen | Main level | 18'9'' x 13'4'' |
| Living room | Main level | 15'1'' x 15'3'' |
| 2pc Bathroom | Main level | — |
| Foyer | Main level | 7'10'' x 6'7'' |
Description
Prepare to be impressed! Extensively renovated with major improvements completed in 2025, this beautifully transformed home delivers thoughtful design and wow factor throughout. The stunning custom kitchen features an oversized wood-accented island, quartz counters and matching backsplash, custom range hood, built-in appliances, abundant cabinetry and a contrasting beverage centre. Wide-plank engineered hardwood flows throughout the main level, complemented by updated doors, trim, hardware and lighting. Arched openings lead to a cozy living room with fireplace and custom built-ins. The main floor office features cabinetry and a Murphy bed, ideal for overnight guests. A tiled mudroom/laundry area offers direct access to the single-car garage. New hardwood stairs lead to a beautiful primary retreat with its own fireplace, decorative wall mouldings, a newly added ensuite with tiled shower and a spacious walk-in closet with organizers. Two additional bedrooms and an updated 4-piece bath complete the upper level. The unfinished basement offers future potential and features an egress window. Additional upgrades include an on-demand tankless water heater (2025), water softener (2025) and new 125-amp electrical panel. Outside, enjoy a 12' x 11' exposed aggregate patio (2026), double-wide exposed aggregate driveway (2026) and a heated, fully finished backyard studio, perfect for a home office, gym or hobby space. Ideally situated near Laurel Creek Conservation Area, scenic walking and cycling trails, parks and schools, with convenient access to Costco, shopping, major routes and the charming village of St. Jacobs, known for its famous farmers' market, boutique shops and restaurants. A remarkable move-in-ready home where the work is done and the lifestyle is ready to enjoy! (id:63161)
Listing Information
- MLS®
- 40872915
- Data last synced
- October 25, 2026
Chestnut Park Realty Southwestern Ontario Limited
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Chestnut Park Realty Southwestern Ontario Limited
MLS® Number: 40872915
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
$529/sqft
Building average
—
No other active listings in this building
442 - Lakeshore North average
$388/sqft
2 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:
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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.)$524.65
Total monthly cost$5,375.78
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.
