Loading…
Property Type: TownhouseOwnership: Condominium
619 WILD GINGER Avenue Unit# H45
Waterloo, ON N2V2X1
MLS® 40840611
$480,000
2 bed2.5 bath2 parking1,482 sqftBuilt 2006
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 3
70-RMU-20
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $258/mo
- Annual property tax
- $3,685
Maintenance Fee Includes
WaterManagement
Also included: Insurance
Interior
- Basement
- Finished, Full
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 14'1'' x 15'4'' |
| Laundry room | Lower level | 5'9'' x 6'11'' |
| Recreation room | Lower level | 9'7'' x 14'3'' |
| 4pc Bathroom | Second level | 6'11'' x 7'5'' |
| Bedroom | Second level | 11'9'' x 12'6'' |
| Primary Bedroom | Second level | 12'1'' x 14'1'' |
| 2pc Bathroom | Main level | 6'0'' x 7'6'' |
| Living room | Main level | 12'1'' x 14'1'' |
| Dining room | Main level | 8'8'' x 10'7'' |
| Kitchen | Main level | 8'10'' x 11'1'' |
Description
Welcome to easy living in this spacious four level townhome offering a thoughtful layout and plenty of flexible space. The main level features a bright kitchen and dining area with access to a front balcony, perfect for morning coffee or summer BBQs. A convenient two piece bathroom and inviting living room overlook the private backyard, creating a comfortable space for everyday living and entertaining. Upstairs, you'll find two generously sized bedrooms and a full bathroom. The lower level rec room provides additional living space and could easily serve as a third bedroom, home office, or family room. Step outside from this level onto the deck and enjoy the privacy of your own backyard retreat. Laundry is conveniently located just inside the attached garage, adjacent to the rec room. The fourth level offers plenty of storage in the utility room and includes a bathroom rough in, providing potential for future expansion. With an attached garage, multiple outdoor living spaces, and a versatile floor plan, this home is an excellent opportunity for first-time buyers, downsizers, or investors alike. (id:63161)
Listing Information
- MLS®
- 40840611
- Data last synced
- October 29, 2026
Flux Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Flux Realty
MLS® Number: 40840611
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
$324/sqft
Building average
—
No other active listings in this building
443 - Columbia Forest/Clair Hills average
$421/sqft
10 active listing(s)
Parking: 2 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$384,000.00
Periodic payment — Principal & Interest (monthly)$2,477.44
Additional monthly expenses (condo fees, tax, utilities, etc.)$639.08
Total monthly cost$3,116.52
Interest paid over 5-yr term$110,055.50
Balance at end of term$345,409.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,535.71
Cash Needed at Closing
Minimum down payment$24,000
Estimated Land Transfer Tax (LTT)$6,075
Legal / closing costs (typical estimate)$1,500
Total cash needed$31,575
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.
