608 Royal Fern Street, Waterloo, ON N2V 2P5
Listed by Kiro Tong • HOMELIFE LANDMARK REALTY INC BROKERAGE 103B
608 Royal Fern Street , Waterloo, ON N2V 2P5
$ 735,000
Bed Rooms
3
Bath Rooms
3
SqFt
1,343
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Virtual Tour
36 photos
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Year Built
2001
ON MARKET
33
Property Type
Single Family Home
Price per Sqft
$547
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,343 sqft
MLS Listing ID
40862752
Style
Traditional
Bedrooms
3
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,808
Annual Tax Amount
$4,042
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
4 - Waterloo West
Zoning
FR
Direction
Columbia Forest
Rooms
Other Rooms
Shed(s)
Basement
Full, Finished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Central Vacuum
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Electric
Fireplace
Yes
Window Features
Window Coverings
Appliance
Dishwasher, Dryer, Gas Oven/Range, Hot Water Tank Owned, Range Hood, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage, Garage Door Opener, Other
Garage Description
1
Roof Type
Asphalt Shing
Porch
Deck, Patio
Lot Frontage
27.89
Lot Depth
101.71
Garage
Yes
Building
Lot Description
Urban, Cul-De-Sac, Library, Park, Public Transit, Rec./Community Centre, School Bus Route, Schools, Trails
Faces
Columbia Forest
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Stucco,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Vista Hills Public School
High Schools
Laurel Heights Secondary School
Others
Senior Community
No
Tax ID
226841228
Ownership
Freehold/None
Virtual Tour
https://youriguide.com/608_royal_fern_st_waterloo_on
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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.

Nearby Locations

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608 Royal Fern Street

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Navjot Singh

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