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Property Type: Detached HouseOwnership: Freehold
139 MACKAY Crescent
Waterloo, ON N2J3K1
MLS® 40844581
$799,900
3 bed2 bath4 parking1,910 sqftBuilt 1961
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 0.19 acres
- Frontage
- 64 feet
SR2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,272
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Electric
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Basement | — |
| Laundry room | Basement | — |
| Recreation room | Basement | 13'2'' x 39'11'' |
| Bedroom | Main level | 8'11'' x 10'4'' |
| Bedroom | Main level | 10'4'' x 12'0'' |
| Primary Bedroom | Main level | 10'11'' x 11'7'' |
| 4pc Bathroom | Main level | — |
| Kitchen | Main level | 10'11'' x 18'8'' |
| Dining room | Main level | 10'11'' x 11'7'' |
| Living room | Main level | 16'1'' x 16'3'' |
Description
Welcome to 139 Makay Crescent, Waterloo—a beautifully updated home in an exceptional location backing onto Moses Springer Park and the Laurel Trail. Fully renovated throughout, this move-in ready home has modern finishes, thoughtful upgrades, and outstanding versatility for families, retired downsizers, multi-generational living, or investors. This home enjoys a premium location, set within one of Waterloo's desirable family neighbourhoods providing beautiful green space and walking trails that you can walk onto from your backyard. You'll also appreciate being within walking distance of local schools, Wilfrid Laurier University and Conestoga College's Waterloo Campus, with shopping, restaurants, transit, and everyday amenities just minutes away. This lovely updated home features three bedrooms on the main floor easily accessible to the fully redesigned bathroom, kitchen, living room, dining rooms with easy access to the beautiful backyard with mature trees that borders a trail and Moses Springer Park. The main floor living room has been opened up to a larger living area that extends through to the dining rooms; all with large windows, new flooring, updated colours and stylish new light fixtures which make it welcoming and attractive to many buyers of all generations and backgrounds. The main bathroom has been fully renovated including updated fixtures. Additional improvements include upgraded basement stairs. a refreshed bathroom on the lower level that can provide a separate facility should the spacious recreation room be further renovated for multi-generational living or rental accommodation. One of this home's standout features is the separate entrance from the garage to the lower level, again offering excellent potential for an in-law suite, multi-generational living arrangement, or future income-generating opportunities. The Seller will provide a new gas furnace on or before closing with an acceptable offer on or before 31OCT26. (id:63161)
Listing Information
- MLS®
- 40844581
- Data last synced
- October 22, 2026
Trius Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Trius Realty Inc.
MLS® Number: 40844581
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
$419/sqft
Building average
—
No other active listings in this building
116 - Glenridge/Lincoln Heights average
$397/sqft
16 active listing(s)
Parking: 4 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: 6.9% ($54,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,920.00
Periodic payment — Principal & Interest (monthly)$4,128.55
Additional monthly expenses (condo fees, tax, utilities, etc.)$535.33
Total monthly cost$4,663.88
Interest paid over 5-yr term$183,402.91
Balance at end of term$575,610.11
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,775.84
Cash Needed at Closing
Minimum down payment$54,990
Estimated Land Transfer Tax (LTT)$12,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,963
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.
