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Property Type: TownhouseOwnership: Freehold
973 CREEKSIDE Drive
Waterloo, ON N2V2W5
MLS® 40872420
63
Walk Score
32
Transit
74
Bike
$649,900
4 bed2.5 bath2 parking1,739 sqft
63
Walk Score
32
Transit
74
Bike
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 0.07 acres
- Frontage
- 22 feet
FR50
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $4,151
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second level | 16'4'' x 11'6'' |
| 2pc Bathroom | Main level | — |
| Dining room | Main level | 12'6'' x 9'1'' |
| Foyer | Main level | 6'11'' x 10'0'' |
| Kitchen | Main level | 12'4'' x 12'6'' |
| Laundry room | Main level | 5'7'' x 8'5'' |
| Living room | Main level | 10'11'' x 14'0'' |
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 12'6'' x 10'3'' |
| Bedroom | Second level | 12'7'' x 10'9'' |
| Bedroom | Second level | 11'11'' x 10'2'' |
Description
Welcome to this beautifully maintained 4 bedroom end-unit FREEHOLD TOWNHOME (NO CONFO FEES) located in one of Waterloo's most desirable neighbourhoods. Close to top-rated schools, Laurel Creek Conservation Area, walking trails, shopping, and more. Offering 4 bedrooms and 2 bathrooms, this carpet-free home features hardwood and tile flooring throughout, a bright and spacious layout, and vaulted ceilings in the family room that add to the open space. The kitchen features beautiful updated granite countertops and a large island, perfect for your next family gathering. Right off the dining area is direct access to a covered porch, creating a great space to relax or entertain outdoors. The home also offers a large front enteranceway, main floor laundry, and a single-car garage. The unfinished basement offers endless potential for a future living space and includes a rough-in for an additional bathroom. With no condo fees, generous room sizes, and plenty of natural light throughout, this is a fantastic opportunity to own in a sought-after family-friendly community. (id:63161)
Listing Information
- MLS®
- 40872420
- Data last synced
- October 27, 2026
Peak Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Peak Realty Ltd.
MLS® Number: 40872420
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
$374/sqft
Building average
—
No other active listings in this building
443 - Columbia Forest/Clair Hills average
$411/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:
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Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($39,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,920.00
Periodic payment — Principal & Interest (monthly)$3,354.35
Additional monthly expenses (condo fees, tax, utilities, etc.)$432.92
Total monthly cost$3,787.26
Interest paid over 5-yr term$149,010.57
Balance at end of term$467,669.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.08
Cash Needed at Closing
Minimum down payment$39,990
Estimated Land Transfer Tax (LTT)$9,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,963
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.
