461 COLUMBIA ST W #13, Waterloo, ON N2T 2P5
461 COLUMBIA ST W #13 , Waterloo, ON N2T 2P5
-
Bed Rooms
2
Bath Rooms
3
SqFt
2,787
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1 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,787 sqft
MLS Listing ID
X10875414
Style
Bungalow
Bedrooms
2
HOA Fees
$311
Annual Tax Amount
$4,911
Tax Year
2024
Property Sub-Type
Detached
Location
Province
ON
County
Waterloo
Area
Waterloo
Zoning
R9
Rooms
Basement
Finished, Full
Kitchen
1
Separate Den/Office
2
Interior
Interior Features
Water Heater, Sump Pump, Water Softener
Cooling
Central Air
Fireplaces Type
Living Room
Inclusions
Basement Fridge, Dishwasher, Dryer, Garage Door Opener, Refrigerator, Stove, Washer
Laundry
In Basement, Laundry Room, Multiple Locations, Washer Hookup
Exterior
Exterior Feature
Privacy
Parking Features
Private, Other
Pool
None
Amenities Available
Visitor Parking
Roof Type
Asphalt Shingle
Exposure
North
Total Parking Spaces
5
Balcony
None
Building
Building Age
16-30
Foundation
Poured Concrete
Locker
None
New Construction
false
Others
Senior Community
Yes
Pets Allowed
Restricted
ParcelsYN
No
Listed by Royal LePage Royal City Realty Brokerage
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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461 COLUMBIA ST W #13

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Navjot Singh

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