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Property Type: Detached HouseOwnership: Freehold
360 CULPEPPER PLACE
Waterloo, ON N2L5L3
MLS® X14083760
$699,000
4 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 45 x 133 FT
- Frontage
- 45 feet
SR1A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,247
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Family room | Lower level | — |
| Bedroom | Lower level | — |
| Recreational, Games room | Lower level | — |
| Kitchen | Lower level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Foyer | Main level | — |
Description
Rarely offered detached 2-storey home with nearly 2,000 sq. ft. above grade in Waterloo's desirable Maple Hill community. Excellent opportunity for families or investors, located minutes from the University of Waterloo and Wilfrid Laurier University. Features a spacious layout with 4 bedrooms above grade, 2 full bathrooms, and a fully finished basement complete with a second kitchen, full bathroom, 2 bedrooms, and a den. Close to top-rated schools, parks, shopping, transit, and major highways. Great income potential in a prime location! (id:63159)
Listing Information
- MLS®
- X14083760
- Data last synced
- October 16, 2026
CMI REAL ESTATE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CMI REAL ESTATE INC.
MLS® Number: X14083760
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: 3 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: 6.4% ($44,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,200.00
Periodic payment — Principal & Interest (monthly)$3,607.77
Additional monthly expenses (condo fees, tax, utilities, etc.)$520.58
Total monthly cost$4,128.35
Interest paid over 5-yr term$160,268.33
Balance at end of term$503,002.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,071.72
Cash Needed at Closing
Minimum down payment$44,900
Estimated Land Transfer Tax (LTT)$10,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,855
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.
