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Property Type: Detached HouseOwnership: Freehold
76 CULPEPPER Drive
Waterloo, ON N2L5S4
MLS® 40870908
54
Walk Score
49
Transit
71
Bike
$725,000
4 bed2 bath4 parking2,029 sqftBuilt 1975
54
Walk Score
49
Transit
71
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 1
- Frontage
- 105 feet
SR1A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Condo / maintenance fee
- $0/mo
- Annual property tax
- $5,027.24
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Main level | 7'5'' x 7'10'' |
| Bedroom | Main level | 9'7'' x 8'11'' |
| Bedroom | Main level | 9'5'' x 12'5'' |
| Dining room | Main level | 9'11'' x 10'9'' |
| Kitchen | Main level | 12'11'' x 10'5'' |
| Primary Bedroom | Main level | 14'0'' x 11'4'' |
| 3pc Bathroom | Basement | 7'11'' x 7'3'' |
| Bedroom | Basement | 12'7'' x 10'9'' |
| Gym | Basement | 11'2'' x 10'8'' |
| Laundry room | Basement | 9'3'' x 10'10'' |
| Recreation room | Basement | 20'9'' x 11'0'' |
| Storage | Basement | 4'1'' x 11'1'' |
| Storage | Basement | 12'7'' x 7'4'' |
Description
Updated throughout and move in condition, ideally situated in desirable Maple Hills. Picture perfect porch, 4 beautifully finished levels, parking for 4, huge rear patio and extensively landscaped. This sidesplit checks most buyer's boxes and offers 4 bedrooms and 2 bathrooms, has a great floor plan for an in-law suite or mortgage helper. The first lower level boasts a large 4th bedroom, full bathroom and a wonderful rec room. The 4th lower level has a dedicated gym space perfect for many uses, a large laundry room and extra storage. Enjoy the charm of this peaceful, tree-lined neighbourhood while remaining conveniently close to Uptown Waterloo, parks, schools, shopping, restaurants, public transport and the many amenities Waterloo has to offer. A wonderful opportunity to enjoy comfortable living in a well-established and sought-after central community. Truly a great home for a great price. (id:63159)
Listing Information
- MLS®
- 40870908
- Data last synced
- October 19, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: 40870908
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
$357/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$542/sqft
22 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: 6.6% ($47,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$580,000.00
Periodic payment — Principal & Interest (monthly)$3,741.96
Additional monthly expenses (condo fees, tax, utilities, etc.)$519.94
Total monthly cost$4,261.90
Interest paid over 5-yr term$166,229.67
Balance at end of term$521,711.88
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$47,500
Stress test qualifying rate8.19%
Payment you must qualify for$5,253.16
Cash Needed at Closing
Minimum down payment$47,500
Estimated Land Transfer Tax (LTT)$10,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$59,975
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.
