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Property Type: Detached HouseOwnership: Freehold
7 CARDILL CRESCENT
Waterloo, ON N2L3Y7
MLS® X13733762
$910,000
7 bed2 bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 52.1 x 153.9 FT
- Frontage
- 52.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,349.69
Interior
- Basement
- Apartment in basement, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
Description
Exceptional Waterloo Investment Opportunity! This Extensively Renovated 7-Bedroom, 2-Bathroom Legal Duplex Is Positioned On An Expansive 53.67 Ft X 153.87 Ft Lot In A Highly Sought-After Rental Location, Just Minutes From The University Of Waterloo, Wilfrid Laurier University, And Conestoga College. The Property Has Undergone Substantial Improvements, Including Two Updated Kitchens, Refreshed Bathrooms, Modern Flooring, Upgraded Lighting, And Numerous Additional Enhancements Throughout. Offering Excellent Versatility For Investors, Multi-Generational Households, Or Owner-Occupiers, This Property Presents Strong Income-Generating Potential With The Benefit Of A Legally Configured Duplex. The Generous Lot Size Also Provides Attractive Future Redevelopment Possibilities For Builders And Developers. The Neighbouring Property At 5 Cardill Crescent Has Been Transformed Into A Multiplex, Showcasing The Area's Potential For Intensification. An Outstanding Opportunity To Acquire A Well-Positioned Property Offering Immediate Rental Appeal, Versatile Living Arrangements, And Significant Long-Term Investment Potential. (id:63159)
Listing Information
- MLS®
- X13733762
- Data last synced
- September 15, 2026
HOMELIFE/FUTURE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE/FUTURE REALTY INC.
MLS® Number: X13733762
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: 7.3% ($66,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$728,000.00
Periodic payment — Principal & Interest (monthly)$4,696.81
Additional monthly expenses (condo fees, tax, utilities, etc.)$529.14
Total monthly cost$5,225.95
Interest paid over 5-yr term$208,646.89
Balance at end of term$654,838.35
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$66,000
Stress test qualifying rate8.19%
Payment you must qualify for$6,544.16
Cash Needed at Closing
Minimum down payment$66,000
Estimated Land Transfer Tax (LTT)$14,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,175
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.
