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Property Type: Detached HouseOwnership: Freehold
143 ELGIN CRESCENT
Waterloo, ON N2J2S5
MLS® X13877610
$779,000
5 bed2 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 49 x 126 FT
- Frontage
- 49 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,672 (2025)
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
Welcome to 143 Elgin Crescent, a fully renovated 5-bedroom, 2-bath home on a quiet crescent just minutes' walk to the university and everything Uptown Waterloo has to offer. Every inch has been redone: fresh paint throughout, new flooring, a brand-new kitchen with all-new appliances, and 2 completely new bathrooms with new fixtures. No one has lived here since the renovation, so you'll be the very first to enjoy it. The pictures show it all. The layout is exceptional, with five spacious bedrooms and two full baths that make it easy for everyone to have their own space. Tucked away on a peaceful crescent, it feels like a private retreat while keeping campus, shops, restaurants and transit close at hand. If you're buying for a son or daughter heading to school and want an unbeatable location with nothing to do but move in, this is the one. It's worth seeing this one in person. (id:63159)
Listing Information
- MLS®
- X13877610
- Tax assessment year
- 2025
- Data last synced
- October 10, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: X13877610
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: 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: 6.8% ($52,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$623,200.00
Periodic payment — Principal & Interest (monthly)$4,020.67
Additional monthly expenses (condo fees, tax, utilities, etc.)$389.33
Total monthly cost$4,410.01
Interest paid over 5-yr term$178,610.91
Balance at end of term$560,570.42
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$52,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,629.99
Cash Needed at Closing
Minimum down payment$52,900
Estimated Land Transfer Tax (LTT)$12,055
Legal / closing costs (typical estimate)$1,500
Total cash needed$66,455
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.
