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Property Type: Detached HouseOwnership: Freehold
22 RIPLEY CRESCENT
Waterloo, ON N2N1V4
MLS® X13826772
$940,000
5 bed3 bath6 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 34.9 x 135.3 FT ; Pie Shape
- Frontage
- 34.1 feet
R2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,075.65 (2025)
Interior
- Basement
- Finished, Walk out, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom | Basement | — |
| Laundry room | Basement | — |
| Office | Basement | — |
| Recreational, Games room | Basement | — |
| Other | Basement | — |
| Bedroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bathroom | Basement | — |
Description
Get ready to be captivated the moment you step foot into this one-of-a-kind home. An incredible vaulted ceiling soars overhead, drawing your eye up a dramatic wrought-iron staircase to the open balcony landing above. It's the kind of entrance that makes a first impression, and it's just the beginning.A sun-filled dining room set beneath a statement chandelier flows easily into a warm living space where sliding doors open onto a private deck overlooking a breathtaking treescape, overlooking a large, landscaped, pie-shaped lot, mature trees, quiet mornings, and room to entertain all summer long.Upstairs, the primary suite is a true retreat. A private, generously sized escape complete with its own ensuite and a spacious walk-in closet.This lovingly maintained, one-owner home has been cared for like no other, and it shows: five bedrooms, three full bathrooms, a renovated kitchen, updated bathrooms, new vinyl flooring, fresh paint, and new light fixtures throughout. Every major system has been replaced! Furnace, A/C, water heater, water softener, roof with new eavestroughs and leaf guard, smart thermostat, new fire alarms, and a brand new asphalt driveway. All that's left to do is move in!Downstairs, the finished basement offers even more room to live and grow. A cozy gas fireplace sets the tone for relaxed evenings, while more space is ready to become a home office for remote work, a rec room for game nights, or a private retreat for extended family. With two bedrooms and a full bathroom down here too, there's truly room for everyone.A spacious attached 2-car garage, a quiet family-friendly crescent, and a location close to parks, schools, and everyday amenities round out the picture. Homes with this much heart, this much care, and this little left to do are one of a kind. (id:63159)
Listing Information
- MLS®
- X13826772
- Tax assessment year
- 2025
- Data last synced
- September 25, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13826772
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: 6 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: 7.3% ($69,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$752,000.00
Periodic payment — Principal & Interest (monthly)$4,851.65
Additional monthly expenses (condo fees, tax, utilities, etc.)$422.97
Total monthly cost$5,274.62
Interest paid over 5-yr term$215,525.36
Balance at end of term$676,426.43
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$69,000
Stress test qualifying rate8.19%
Payment you must qualify for$6,753.51
Cash Needed at Closing
Minimum down payment$69,000
Estimated Land Transfer Tax (LTT)$15,275
Legal / closing costs (typical estimate)$1,500
Total cash needed$85,775
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.
