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Property Type: Detached HouseOwnership: Freehold
409 TEALBY CRESCENT
Waterloo, ON N2J4Y8
MLS® X13161324
$1,045,000
5 bed4.5 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 32.5 x 102.8 FT
- Frontage
- 32.6 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,603
Interior
- Basement
- Finished, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Ground level | — |
| Eating area | Ground level | — |
| Kitchen | Ground level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Study | Second level | — |
| Bedroom 5 | Basement | — |
| Living room | Basement | — |
Description
409 Tealby Crescent is a refined, turn-key detached home in Waterloo, originally built as the builder's model and thoughtfully designed for both everyday living and long-term value. The home offers four well-proportioned bedrooms on the second floor, complemented by a fully finished basement suite with a separate entrance, fifth bedroom, and full living quarters. In total, the property provides 1,833 square feet above grade (MPAC) plus approximately 915 square feet of finished basement space. Some of the features in this home include a large 4th bedroom addition with vaulted ceilings and a gas fireplace, a cozy study space, an open concept living space and a fully finished basement suite that is fully self-contained with its own kitchen, bathroom, laundry, bedroom, and living area, offering excellent flexibility for multi-generational living or rental income. Whether you choose to enjoy the entire home or offset ownership costs by leasing the basement, this property delivers versatility without compromise. As an investor, you can even lease the top and bottom floors separately for ultimate cashflow. The basement suite is currently tenanted on a month-to-month basis. 409 Tealby Crescent is conveniently located near public transit, Conestoga Parkway, Conestoga Mall, the University of Waterloo (7-minute drive), essential amenities such as restaurants, grocery stores, banks and Home Depot and more. Make 409 Tealby Crescent yours! (id:63159)
Listing Information
- MLS®
- X13161324
- Data last synced
- September 15, 2026
HARVEY KALLES REAL ESTATE LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HARVEY KALLES REAL ESTATE LTD.
MLS® Number: X13161324
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: 5 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
540 m away
Mortgage & Ownership Cost Calculator
Minimum required: 7.6% ($79,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$836,000.00
Periodic payment — Principal & Interest (monthly)$5,393.59
Additional monthly expenses (condo fees, tax, utilities, etc.)$466.92
Total monthly cost$5,860.50
Interest paid over 5-yr term$239,600.00
Balance at end of term$751,984.70
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$79,500
Stress test qualifying rate8.19%
Payment you must qualify for$7,486.24
Cash Needed at Closing
Minimum down payment$79,500
Estimated Land Transfer Tax (LTT)$17,375
Legal / closing costs (typical estimate)$1,500
Total cash needed$98,375
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.
