223 Carter Avenue, Waterloo, ON N2J 3K7
Listed by Andrea Fedy • Royal LePage Wolle Realty
223 Carter Avenue , Waterloo, ON N2J 3K7
$ 645,000
Bed Rooms
4
Bath Rooms
2
SqFt
1,033
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Virtual Tour
38 photos
Highlight
Year Built
1966
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$624
Car Garage
--
Open House
Thu Sep 03, 4:30pm - 6:30pm
Sat Sep 05, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,033 sqft
MLS Listing ID
40858769
Style
Bungalow
Bedrooms
4
Full Baths
2
Abv Grd Liv Area
2,048
Annual Tax Amount
$4,082
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
1 - Waterloo East
Zoning
SR1
Direction
Lincoln Rd, to Marshall, to Carter Ave.
Rooms
Other Rooms
Shed(s)
Basement
Full, Finished
Main Level Bedrooms
3
Kitchen
1
Interior
Interior Features
Work Bench
Heating
Fireplace-Gas, Forced Air, Natural Gas, Radiant Floor
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Gas, Recreation Room
Fireplace
Yes
Appliance
Bar Fridge, Water Heater, Water Softener, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
Laundry Room, Lower Level
Exterior
Exterior Feature
Landscaped
Parking Features
Concrete, Gravel
Roof Type
Asphalt Shing
Porch
Deck, Patio, Porch
Lot Frontage
45.0
Lot Depth
115.0
Garage
No
Building
Lot Description
Urban, Rectangular, Airport, Highway Access, Hospital, Library, Park, Playground Nearby, Public Transit, Regional Mall, Schools, Shopping Nearby
Faces
Lincoln Rd, to Marshall, to Carter Ave.
Story
1
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Lincoln Heights P.S., St. Agnes
High Schools
Bluevale C.I., St.David Catholic S.B.
Others
Senior Community
No
Tax ID
223580018
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/r1yba_223_carter_ave_waterloo_on/
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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223 Carter Avenue

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Navjot Singh

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