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Property Type: Detached HouseOwnership: Freehold
177 REGINA Street N
Waterloo, ON N2J3B4
MLS® 40859688
$549,900
3 bed2.5 bath1 parking1,374 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2.5
- Frontage
- 40 feet
RMU-81
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,081.2
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 23'11'' x 10'6'' |
| Storage | Basement | 3'8'' x 10'8'' |
| Recreation room | Basement | 19'6'' x 10'3'' |
| 1pc Bathroom | Basement | — |
| Attic | Third level | 11'9'' x 10'7'' |
| Attic | Third level | 12'7'' x 10'7'' |
| Bedroom | Second level | 11'3'' x 9'6'' |
| Bedroom | Second level | 11'4'' x 9'8'' |
| Primary Bedroom | Second level | 8'10'' x 12'5'' |
| 4pc Bathroom | Second level | — |
| Living room | Main level | 12'7'' x 12'4'' |
| Kitchen | Main level | 12'7'' x 11'1'' |
| Dining room | Main level | 11'7'' x 10'6'' |
Description
Welcome to 177 Regina Street North. AAA Location just a hop skip and a jump from WLU in the uptown core of Waterloo. This freshly painted 3 bedroom home is move in ready and is the perfect place for a first time home owner or savvy investor. (id:63161)
Listing Information
- MLS®
- 40859688
- Data last synced
- October 25, 2026
C M A REALTY LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: C M A REALTY LTD.
MLS® Number: 40859688
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
$400/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$401/sqft
36 active listing(s)
Parking: 1 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.5% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (condo fees, tax, utilities, etc.)$409.10
Total monthly cost$3,247.31
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$29,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,031.25
Cash Needed at Closing
Minimum down payment$29,990
Estimated Land Transfer Tax (LTT)$7,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,963
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.
