309-311 Hawthorn Street, Waterloo, ON N2L 3N5
Listed by Qingmai Zhou • HOMELIFE LANDMARK REALTY INC
309-311 Hawthorn Street , Waterloo, ON N2L 3N5
$ 3,599,999
Bed Rooms
12
Bath Rooms
--
SqFt
2,544
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2 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Commercial
Price per Sqft
$1,415
Car Garage
2.0
Property Details
Key Details
Sub Type
Building and Land
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,544 sqft
MLS Listing ID
40719001
Bedrooms
12
Abv Grd Liv Area
2,544
Annual Tax Amount
$13,737
Lot Size
0.370 Acres
Acres
0.37
Property Sub-Type
Building and Land
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
4 - Waterloo West
Zoning
RN-6
Direction
Spruce Street & HAWTHORN STREET
Rooms
Basement
Full
Kitchen
0
Interior
Fireplace
No
Appliance
Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage, Asphalt
Lot Frontage
111.0
Lot Depth
145.0
Garage
No
Building
Lot Description
Irregular Lot, Public Transit, Schools
Faces
Spruce Street & HAWTHORN STREET
Story
2
Foundation
Other
Sewer
Sewer (Municipal)
Water
Municipal
Structure Type
Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
223610047
Ownership
Freehold/None
Copyright 2026 Information Technology Systems Ontario, Inc.
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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309-311 Hawthorn Street

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Navjot Singh
Navjot Singh

REALTOR® License ID: 5027745

+1(519) 505-5832 | navjot@teammosaic.ca

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