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Property Type: Detached HouseOwnership: Freehold
42 CULPEPPER DRIVE
Waterloo, ON N2L5L1
MLS® X13009062
$899,900
4 bed2 bath6 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 60 x 115 FT
- Frontage
- 60 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,588.4 (2026)
Interior
- Basement
- Separate entrance, Walk-up, N/A, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Main level | — |
| Bathroom | Lower level | — |
| Laundry room | Lower level | — |
| Utility room | Lower level | — |
| Bedroom 2 | Main level | — |
| Living room | Main level | — |
| Office | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Bathroom | Main level | — |
| Bedroom 3 | Lower level | — |
| Bedroom 4 | Lower level | — |
| Recreational, Games room | Main level | — |
Description
Welcome to 42 Culpepper Drive, nestled within the esteemed Maple Hills Neighbourhood, where community thrives and each home carries its own unique charm. This prime location offers easy access to an array of amenities, including coffee shops, restaurants, Waterloo Park, Westmount Golf Course, and two prestigious universities, making it a highly sought-after address. Situated on an expansive 60' x 115' lot, this Mansard style home epitomizes comfort and elegance. Boasting over 2400 square feet of living space, this four-bedroom residence features a raised bungalow floorplan that bathes in natural light from every angle, accentuating its spacious and airy open-concept layout. Step into the heart of the home - the recently renovated kitchen, a culinary enthusiast's dream equipped with a steam oven (2022) and new fridge (2024). The spacious basement floorplan makes use of every inch of space, featuring high ceilings and a newly renovated bathroom (2022). With ample space for entertaining, the fully fenced backyard, complete with a large patio (29'x 20'), awaits your gatherings with friends and family. Rest assured knowing that this home is equipped with recent upgrades, including a replacement of the flat roof in 2021 a new furnace in 2019, and both a hot water heater and water softener installed in 2023. Additionally, enjoy the convenience of a double car garage, ensuring hassle-free parking. Experience the epitome of modern living and timeless elegance at 42 Culpepper Drive. (This home was originally a 3 + 2 bedroom home that has been renovated into a 2 + 2 Bedroom home. A third bedroom upstairs could be re-added by closing in the Dining Room). (id:63159)
Listing Information
- MLS®
- X13009062
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD
MLS® Number: X13009062
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: 6 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: 7.2% ($64,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$719,920.00
Periodic payment — Principal & Interest (monthly)$4,644.68
Additional monthly expenses (condo fees, tax, utilities, etc.)$549.03
Total monthly cost$5,193.71
Interest paid over 5-yr term$206,331.14
Balance at end of term$647,570.37
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$64,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,473.68
Cash Needed at Closing
Minimum down payment$64,990
Estimated Land Transfer Tax (LTT)$14,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,963
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.
