Loading…
Property Type: Detached HouseOwnership: Freehold
137 WHITE PINE CRESCENT
Waterloo, ON N2V1B3
MLS® X13870736
$749,900
4 bed2.5 bath8 parking
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 55 x 107 FT
- Frontage
- 55 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,184.78
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- Yes
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bedroom | Lower level | — |
| Office | Lower level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Ground level | — |
| Partial bathroom | Ground level | — |
| Primary Bedroom | Upper Level | — |
| Bedroom 2 | Upper Level | — |
| Bedroom 3 | Upper Level | — |
| Bathroom | Upper Level | — |
| Recreational, Games room | Lower level | — |
Description
Set on a mature lot in Waterloo's highly sought-after Lakeshore neighbourhood, this well cared for 4-level sidesplit is surrounded by everything that makes this community so desirable. Tucked away on a quiet, family-friendly crescent and backing directly onto a peaceful park with no rear neighbours, the private backyard feels like a natural extension of the home. Towering mature trees, beautiful views, and direct access to greenspace create a peaceful setting for relaxing, entertaining, or simply enjoying the outdoors. Inside, the bright main floor welcomes you with a spacious living room where a large picture window fills the space with natural light. The adjoining dining area flows into a thoughtfully updated kitchen featuring warm cabinetry, ample prep space, and a breakfast bar that's perfect for casual meals, morning coffee, or catching up at the end of the day. Just a few steps down, the inviting family room is anchored by a beautiful stone gas fireplace and offers a walkout to the backyard, creating a seamless connection between indoor and outdoor living. A convenient 2-piece powder room completes this level. Upstairs, you'll find three comfortable bedrooms, including a spacious primary bedroom, along with a 4-piece bathroom. The finished lower level adds flexibility with a generous recreation room, a fourth bedroom that's ideal for guests, teenagers, or extended family, a separate office for working from home or hobbies, and exceptional storage beneath the attached double garage. Beyond the home, you'll appreciate excellent schools, parks, walking and biking trails, Laurel Creek Conservation Area, St. Jacobs Farmers' Market, shopping, restaurants, both universities, the ION LRT, and quick access to the Expressway. With parking for up to eight vehicles, an attached double garage, and a peaceful park-side setting, this thoughtfully maintained home offers the space, privacy, and established neighbourhood buyers are searching for. (id:63159)
Listing Information
- MLS®
- X13870736
- Data last synced
- October 19, 2026
ROYAL LEPAGE RCR REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE RCR REALTY
MLS® Number: X13870736
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: 8 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: 6.7% ($49,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$599,920.00
Periodic payment — Principal & Interest (monthly)$3,870.48
Additional monthly expenses (condo fees, tax, utilities, etc.)$432.07
Total monthly cost$4,302.55
Interest paid over 5-yr term$171,938.80
Balance at end of term$539,629.98
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$49,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,426.92
Cash Needed at Closing
Minimum down payment$49,990
Estimated Land Transfer Tax (LTT)$11,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,963
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.
