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Property Type: Detached HouseOwnership: Freehold
176 SANDFORD FLEMING Drive
Waterloo, ON N2T1G2
MLS® 40842430
$889,900
4 bed3.5 bath4 parking2,362 sqftBuilt 1984
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 2
- Frontage
- 81 feet
SR2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,187.62
Interior
- Basement
- Finished, Full
- Heating
- Forced air
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Main level | 15'7'' x 13'2'' |
| Utility room | Basement | 16'11'' x 11'9'' |
| Laundry room | Basement | 11'2'' x 5'4'' |
| Recreation room | Basement | 14'6'' x 29'2'' |
| Bedroom | Basement | 11'2'' x 11'9'' |
| 2pc Bathroom | Basement | — |
| Sunroom | Main level | 15'10'' x 11'1'' |
| Living room | Main level | 15'7'' x 12'5'' |
| Kitchen | Main level | 9'4'' x 10'1'' |
| Dining room | Main level | 15'9'' x 10'0'' |
| Breakfast | Main level | 10'1'' x 10'1'' |
| Bedroom | Main level | 13'3'' x 10'0'' |
| Bedroom | Main level | 12'2'' x 10'1'' |
Description
Welcome to 176 Sandford Fleming Drive, Waterloo! Situated on a rare 81' x 130' mature lot in one of Waterloo's most sought-after neighbourhoods, this spacious detached home presents an exceptional opportunity for both families and investors. Featuring soaring cathedral ceilings, 3 generous bedrooms, 2 bathrooms, and a mostly above-grade lower level with an additional bedroom, recreation room, and bathroom, the home offers flexible living space with excellent future potential. Located just minutes from the University of Waterloo, top-rated schools, parks, and the vibrant Boardwalk shopping district, this property is ideally positioned for growing families, student rental opportunities, or long-term investment. The roof was replaced in 2026, providing added peace of mind, while the solid structure and oversized lot offer tremendous potential to renovate, personalize, and build equity. A rare opportunity to own a home in a prime Waterloo location that combines lifestyle, convenience, and investment value. (id:63159)
Listing Information
- MLS®
- 40842430
- Data last synced
- October 10, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40842430
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
$377/sqft
Building average
—
No other active listings in this building
440 - Upper Beechwood/Beechwood W. average
$382/sqft
4 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 7.2% ($63,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$711,920.00
Periodic payment — Principal & Interest (monthly)$4,593.07
Additional monthly expenses (condo fees, tax, utilities, etc.)$633.64
Total monthly cost$5,226.70
Interest paid over 5-yr term$204,038.32
Balance at end of term$640,374.34
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$63,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,403.89
Cash Needed at Closing
Minimum down payment$63,990
Estimated Land Transfer Tax (LTT)$14,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$79,763
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.
