Loading…
Property Type: Detached HouseOwnership: Freehold
144 GRAHAM Street
Waterloo, ON N2J1A1
MLS® 40872373
82
Walk Score
60
Transit
87
Bike
$499,900
3 bed2.5 bath2 parking704 sqft
82
Walk Score
60
Transit
87
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 40 feet
GR1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,973
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Main level | — |
| Bonus Room | Basement | 9'1'' x 11'6'' |
| Bedroom | Basement | 8'10'' x 10'1'' |
| Sunroom | Main level | 7'6'' x 17'7'' |
| Kitchen/Dining room | Main level | 10'1'' x 16'8'' |
| Living room | Main level | 10'0'' x 16'1'' |
| Bedroom | Main level | 9'1'' x 8'7'' |
| Primary Bedroom | Main level | 9'2'' x 11'7'' |
| Cold room | Basement | — |
| Laundry room | Basement | 9'1'' x 21'3'' |
| 2pc Bathroom | Basement | — |
| Recreation room | Basement | 14'2'' x 16'0'' |
Description
Charming, full of character, and perfectly positioned in one of Uptown Waterloo's most desirable neighbourhoods, this brick-and-vinyl Bungalow home offers a welcoming blend of comfort and convenience. Featuring two main-floor bedrooms, an additional bedroom in the basement, one full bathroom, and one partial bathroom, it offers space to suit a variety of needs. Natural light fills the main floor, highlighting hardwood flooring and a cozy fireplace that creates an inviting place to unwind. The eat-in kitchen features maple cabinetry, while a quaint four-piece bathroom adds to the home's character. A delightful three-season sunroom extends the living space and leads to a large composite deck, perfect for outdoor dining or relaxing. The fenced backyard features a gazebo, a storage shed, and a separate small workshop shed, providing space for entertaining, hobbies, and storage. Furnace and air conditioning date to 2008. With many everyday conveniences and the Spur Line Trail within walking distance, this character-filled home is an opportunity to enjoy a sought-after Uptown Waterloo lifestyle. (id:63161)
Listing Information
- MLS®
- 40872373
- Data last synced
- October 27, 2026
The Realty Firm Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: The Realty Firm Inc.
MLS® Number: 40872373
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
$710/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$391/sqft
36 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$366.08
Total monthly cost$2,946.23
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,682.29
Cash Needed at Closing
Minimum down payment$24,995
Estimated Land Transfer Tax (LTT)$6,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,968
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.