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Property Type: Detached HouseOwnership: Freehold
B - 620 SETTLERSFIELD COURT
Waterloo, ON N2T2K7
MLS® X13741966
$675,000
4 bed2 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 41.2 x 131.5 FT
- Frontage
- 41.2 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,577 (2025)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Bedroom 4 | Basement | — |
| Bathroom | Basement | — |
| Laundry room | Basement | — |
Description
***MOTIVATED SELLER***Extra-Wide Corner-Lot Semi on a quiet, Child-friendly court offering approximately 1,685 Sq. ft. of finished living space across three levels, 3+1 bedrooms, two full bathrooms, a large private fenced yard and parking for four vehicles. The bright, carpet-free main floor features an open-concept living and dining area and an updated kitchen with pantry improvements, creating a practical and comfortable layout for everyday family living and entertaining. Upstairs are three well-sized bedrooms and a full bathroom. The finished lower level adds a fourth bedroom, second full bathroom, laundry and storage, providing valuable flexibility for guests, teenagers, extended family or a home office. Outside, enjoy the covered front porch, mature landscaping, storage shed and underground cistern for lawn irrigation. The double-wide driveway accommodates up to four vehicles, and with no sidewalk, there is less winter maintenance. Updates include roof (2016), furnace (2017), kitchen and pantry updates (2023), dishwasher (2023), lower-level bedroom conversion (2023) and sump pump (2023). Conveniently located near The Boardwalk, transit, restaurants, shopping, banks, medical services, Landmark Cinemas, schools, universities and everyday amenities. (id:63161)
Listing Information
- MLS®
- X13741966
- Tax assessment year
- 2025
- Data last synced
- October 28, 2026
CENTURY 21 PEOPLE'S CHOICE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CENTURY 21 PEOPLE'S CHOICE REALTY INC.
MLS® Number: X13741966
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: 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
1.4 km away
Mortgage & Ownership Cost Calculator
Minimum required: 6.3% ($42,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$540,000.00
Periodic payment — Principal & Interest (monthly)$3,483.90
Additional monthly expenses (condo fees, tax, utilities, etc.)$298.08
Total monthly cost$3,781.98
Interest paid over 5-yr term$154,765.55
Balance at end of term$485,731.75
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$42,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,904.24
Cash Needed at Closing
Minimum down payment$42,500
Estimated Land Transfer Tax (LTT)$9,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$53,975
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.
