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Property Type: TownhouseOwnership: Freehold
650 WILD GINGER AVENUE
Waterloo, ON N2V2T1
MLS® X13721006
$625,000
3 bed3.5 bath2 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 21.7 x 117.5 FT
- Frontage
- 21.8 feet
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $4,182 (2025)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
Description
Located in the highly sought-after neighborhood of Waterloo West location, with its close by amenities, top rated schools, and easy access to universities. Very bright and spacious with high ceilings entrance. Large deck from dining room and no rear neighbours for excellent privacy. Air conditioner (2025), Water Softener (2024). Just move in and enjoy! (id:63161)
Listing Information
- MLS®
- X13721006
- Tax assessment year
- 2025
- Data last synced
- October 24, 2026
HOMELIFE LANDMARK REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE LANDMARK REALTY INC.
MLS® Number: X13721006
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
$362/sqft
90 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.
980 m away
Mortgage & Ownership Cost Calculator
Minimum required: 6.0% ($37,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$500,000.00
Periodic payment — Principal & Interest (monthly)$3,225.83
Additional monthly expenses (condo fees, tax, utilities, etc.)$348.50
Total monthly cost$3,574.33
Interest paid over 5-yr term$143,301.44
Balance at end of term$449,751.62
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$37,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,555.32
Cash Needed at Closing
Minimum down payment$37,500
Estimated Land Transfer Tax (LTT)$8,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$47,975
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.
