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Property Type: Condo / ApartmentOwnership: Condominium
26 - 20 MAYFIELD AVENUE
Waterloo, ON N2J4M5
MLS® X14033996
$650,000
3 bed1 bath2 parking
Property Details
Property & Lot
- Stories
- 2
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $305/mo
- Annual property tax
- $2,593
Maintenance Fee Includes
Also included: Insurance, Parking
Interior
- Basement
- Unfinished, N/A
- Heating
- Baseboard heaters, Electric
- Cooling / A/C
- None
Description
Welcome to this stunning, move-in-ready 3-bedroom semi-detached home nestled in one of Waterloo's most desirable neighbourhoods. Featuring a modern open-concept design, stylish finishes, and thoughtful upgrades throughout, this home offers the perfect combination of comfort and contemporary living. The main floor showcases a bright and inviting living area, a modern kitchen with sleek cabinetry, and a spacious dining area perfect for entertaining family and friends. Upstairs, you'll find three well-sized bedrooms with ample closet space, ideal for growing families or those seeking a dedicated work-from-home space. Enjoy added peace of mind with numerous key updates already completed, including flooring, lighting, and more. Conveniently located near schools, universities, parks, shopping, and public transit, this home offers an exceptional blend of style, convenience, and everyday functionality. Don't miss this fantastic opportunity to own a beautifully updated, turnkey home in the heart of Waterloo! (id:63161)
Listing Information
- MLS®
- X14033996
- Data last synced
- October 24, 2026
CITYSCAPE REAL ESTATE LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CITYSCAPE REAL ESTATE LTD.
MLS® Number: X14033996
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
$476/sqft
185 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
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Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($40,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$520,000.00
Periodic payment — Principal & Interest (monthly)$3,354.86
Additional monthly expenses (condo fees, tax, utilities, etc.)$521.13
Total monthly cost$3,876.00
Interest paid over 5-yr term$149,033.49
Balance at end of term$467,741.68
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$40,000
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.78
Cash Needed at Closing
Minimum down payment$40,000
Estimated Land Transfer Tax (LTT)$9,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,975
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.
