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Property Type: Detached HouseOwnership: Freehold
312 SCHOONER CRESCENT
Waterloo, ON N2M4M5
MLS® X14082010
$1,199,900
5 bed4.5 bath4 parking
Open House
Sunday, November 1
1:00 PM – 3:00 PM
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 46.3 x 114.8 FT
- Frontage
- 46.3 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,288 (2026)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Bathroom | Second level | — |
| Bedroom 4 | Second level | — |
| Laundry room | Second level | — |
| Bedroom 5 | Basement | — |
| Bathroom | Basement | — |
| Bathroom | Basement | — |
| Recreational, Games room | Basement | — |
| Cold room | Basement | — |
| Utility room | Basement | — |
| Utility room | Main level | — |
| Family room | Main level | — |
| Living room | Main level | — |
| Kitchen | Main level | — |
Description
Privacy, space and a top Waterloo school district: 312 Schooner Crescent has it all. Tucked into sought-after Colonial Acres/East Bridge and backing directly onto Millen Woods Public School, this beautifully maintained detached home offers 4,108 total Sq Ft, a fully finished basement and a backyard that feels like your own private escape. From the moment you enter the grand foyer, rich hardwood sets the tone across the main level. Host in style in the formal sitting and dining room with a cozy gas fireplace, then settle into the family room. The heart of the home is a spacious kitchen with a built-in desk workspace and a sun-filled breakfast area that opens right onto the yard. Upstairs, hardwood carries through four large bedrooms. The primary suite is a true retreat, with room to spread out and a spa-like 5-piece ensuite. A 4-piece main bath and upper-level laundry make daily routines easy. The fully finished basement expands your living space with a huge rec room, an additional bedroom, a 3-piece bath, a 2-piece bath, a cold room and plenty of storage. Step outside and exhale. The private, landscaped yard offers a deck and pergola, ready for summer evenings and quiet weekend mornings. With a double attached garage, double-wide driveway, a gas furnace/heat pump replaced in 2024, and trails, parks, golf, shopping and transit nearby, this is the one you've been waiting for. (id:63161)
Listing Information
- MLS®
- X14082010
- Tax assessment year
- 2026
- Data last synced
- October 27, 2026
CORCORAN HORIZON REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CORCORAN HORIZON REALTY
MLS® Number: X14082010
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: 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:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.9% ($94,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$959,920.00
Periodic payment — Principal & Interest (monthly)$6,193.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$607.33
Total monthly cost$6,800.41
Interest paid over 5-yr term$275,115.83
Balance at end of term$863,451.14
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$94,990
Stress test qualifying rate8.19%
Payment you must qualify for$8,567.19
Cash Needed at Closing
Minimum down payment$94,990
Estimated Land Transfer Tax (LTT)$20,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$116,963
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.
