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Property Type: Detached HouseOwnership: Freehold
53 HELENE CRESCENT
Waterloo, ON N2L5E6
MLS® X13466958
$749,000
6 bed2 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 42 x 100 FT
- Frontage
- 42 feet
Res
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,836 (2026)
Interior
- Basement
- Apartment in basement, Walk-up, N/A, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Ground level | — |
| Laundry room | Basement | — |
| Bedroom 2 | Ground level | — |
| Bedroom 3 | Ground level | — |
| Living room | Ground level | — |
| Kitchen | Ground level | — |
| Den | Ground level | — |
| Bedroom | Basement | — |
| Bedroom 2 | Basement | — |
| Bedroom 3 | Basement | — |
| Kitchen | Basement | — |
Description
LOCATION, LOCATION. 5 Minuts drive or walking distance to both Unitversities. Perfect for families, investors, or those seeking extra income! This home represents an opportunity with endless possibilities! This solid, well-maintained bungalow offers incredible versatility with two fully finished levels, each complete with its own living room, kitchen, bathrooms, and three generously sized bedrooms per level. Upstairs,. The kitchen offers plenty of cupboards, counter space and a spacious eat-in nook area with a large window. The lower level is a bright, self-sufficient living space with oversized windows, 3 bedrooms, 1 bathroom, kitchen, and a private separate entrance, ideal for extended family living or as a mortgage-helping rental unit. Enjoy a good-sized backyard perfect for gardening or relaxing, A long driveway fits up to 4 cars, making parking convenient for large families or tenants. (id:63159)
Listing Information
- MLS®
- X13466958
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X13466958
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: 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: 6.7% ($49,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$599,200.00
Periodic payment — Principal & Interest (monthly)$3,865.84
Additional monthly expenses (condo fees, tax, utilities, etc.)$319.67
Total monthly cost$4,185.50
Interest paid over 5-yr term$171,732.44
Balance at end of term$538,982.34
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$49,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,420.64
Cash Needed at Closing
Minimum down payment$49,900
Estimated Land Transfer Tax (LTT)$11,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,855
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.
