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Property Type: Detached HouseOwnership: Freehold
37 MARGARET Avenue N
Waterloo, ON N2J3P3
MLS® 40868375
$699,900
3 bed2 bath4 parking1,912 sqftBuilt 1952
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 58 feet
SR2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,514.2
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, In Floor Heating
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 5'6'' x 9'5'' |
| Storage | Basement | 19'1'' x 16'3'' |
| Laundry room | Basement | 11'1'' x 10'1'' |
| Family room | Basement | 22'10'' x 19'3'' |
| 3pc Bathroom | Basement | 7'3'' x 8'11'' |
| Bedroom | Second level | 12'10'' x 10'5'' |
| Primary Bedroom | Second level | 12'10'' x 12'5'' |
| Living room | Main level | 19'1'' x 16'6'' |
| Kitchen | Main level | 11'6'' x 14'6'' |
| Dining room | Main level | 11'6'' x 14'11'' |
| Breakfast | Main level | 10'0'' x 10'1'' |
| Bedroom | Main level | 11'5'' x 11'10'' |
| 4pc Bathroom | Main level | 5'1'' x 6'7'' |
Description
Welcome to this charming and extensively updated 1.5-storey home, offering 3 bedrooms and 2 bathrooms in a convenient, family-friendly location. A spacious family room addition provides an inviting place to gather, relax, and entertain. The beautifully renovated kitchen, completed in 2022, features a large island and stylish black stainless steel appliances. Heated floors add comfort to the kitchen, dining area, main floor bathroom, and hallway. The main floor has also been updated with new laminate flooring (2025), a new gas fireplace (2024), and a renovated bedroom and bathroom (2025). The redone basement (2026) offers additional flexible living space for a recreation room, home office, guests, or a growing family. Outside, enjoy a new front porch (2024), a spacious deck (2019), and a detached garage offering convenient parking and additional storage or workshop space. A new air conditioning system (2025) adds to the home's year-round comfort. Ideally located just minutes from the expressway and within walking distance to both elementary and high schools, this home combines thoughtful updates, comfortable living spaces, and everyday convenience. A wonderful opportunity in a well-connected location! (id:63161)
Listing Information
- MLS®
- 40868375
- Data last synced
- October 28, 2026
Mcintyre Real Estate Services Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Mcintyre Real Estate Services Inc.
MLS® Number: 40868375
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
$366/sqft
Building average
—
No other active listings in this building
116 - Glenridge/Lincoln Heights average
$401/sqft
16 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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$555.52
Total monthly cost$4,167.93
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
