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Property Type: TownhouseOwnership: Condominium
461 COLUMBIA Street W Unit# 26
Waterloo, ON N2T2P6
MLS® 40864854
$714,999
2 bed2 bath4 parking1,786 sqftBuilt 2003
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Style
- Bungalow
- Stories
- 1
R9
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $469/mo
- Annual property tax
- $4,826.72
Maintenance Fee Includes
Management
Also included: Common Area Maintenance, Landscaping, Parking
Interior
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Storage | Lower level | 5'1'' x 3'8'' |
| Utility room | Lower level | 14'6'' x 21'1'' |
| Other | Lower level | 14'7'' x 26'2'' |
| Family room | Lower level | 17'8'' x 29'3'' |
| Laundry room | Main level | 5'8'' x 6'0'' |
| 4pc Bathroom | Main level | 7'4'' x 5'0'' |
| Bedroom | Main level | 12'3'' x 10'7'' |
| 4pc Ensuite bath | Main level | 10'0'' x 8'1'' |
| Primary Bedroom | Main level | 16'6'' x 14'6'' |
| Living room | Main level | 11'1'' x 17'9'' |
| Dining room | Main level | 9'7'' x 17'9'' |
| Kitchen | Main level | 10'5'' x 11'7'' |
Description
Discover the perfect blend of comfort, elegance, and carefree living in this inviting 2-bedroom, 2-bathroom bungalow, ideally situated in a desirable retirement community in Waterloo. Designed for those seeking the ease of main-floor living without compromising on space, this lovely home offers a welcoming atmosphere and a wonderful lifestyle. The spacious living room features beautiful hardwood flooring and a walkout to a private deck, creating a seamless connection between indoor and outdoor living—perfect for morning coffee, relaxing afternoons, or entertaining family and friends. The primary bedroom offers a peaceful retreat, complete with its own ensuite bathroom and generous walk-in closet. A second bedroom and full bathroom provide comfortable accommodations for guests or additional living space. The partially finished lower level offers exciting possibilities to create a recreation room, home office, hobby space, or additional entertaining area, allowing you to personalize the home to suit your lifestyle. A double-car garage adds convenience and valuable storage. Location is exceptional! Enjoy the convenience of being within walking distance of shopping and everyday amenities, with easy access to the Ira Needles corridor, University of Waterloo, Wilfrid Laurier University, hospitals, libraries, schools, and the beautiful natural surroundings of Laurel Creek Conservation Area. Whether you're downsizing, embracing retirement, or simply looking for a more relaxed, low-maintenance lifestyle, this charming bungalow offers the perfect opportunity to enjoy comfort, convenience, and a welcoming community. A wonderful place to call home! All interior pictures of home are Virtual. (id:63161)
Listing Information
- MLS®
- 40864854
- Data last synced
- October 25, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40864854
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
$400/sqft
Building average
—
No other active listings in this building
441 - Erbsville/Laurelwood average
$439/sqft
4 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: 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.
Mortgage & Ownership Cost Calculator
Minimum required: 6.5% ($46,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$571,999.00
Periodic payment — Principal & Interest (monthly)$3,690.34
Additional monthly expenses (condo fees, tax, utilities, etc.)$960.23
Total monthly cost$4,650.57
Interest paid over 5-yr term$163,936.56
Balance at end of term$514,514.95
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$46,500
Stress test qualifying rate8.19%
Payment you must qualify for$5,183.37
Cash Needed at Closing
Minimum down payment$46,500
Estimated Land Transfer Tax (LTT)$10,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$58,775
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.
