Property Type: Detached HouseOwnership: Freehold

12 GEORGE Street

Waterloo, BC N2J1K5

$1,650,000

3 bed4 full, 2 half bath2 parking3,827 sqftBuilt 2019
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Property Details

Property & Lot

Sub-type
House
Stories
3
Frontage
30 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$11,905

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Gas stove(s), Dishwasher, Dryer, Microwave Built-in

Exterior & Lot

Exterior features
Brick, Stone, Vinyl siding
Lot features
Conservation/green belt, Paved driveway, Automatic Garage Door Opener
Fencing
Fence

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system
Utilities
Natural Gas, Electricity, Cable

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
OtherBasement22'7'' x 13'2''
Utility roomBasement5'7'' x 10'4''
Recreation roomBasement24'1'' x 23'2''
Family roomThird level16'7'' x 24'4''
2pc BathroomThird level5'0'' x 6'5''
OtherSecond level7'8'' x 9'10''
Laundry roomSecond level5'8'' x 9'10''
BedroomSecond level14'1'' x 14'2''
BedroomSecond level15'8'' x 9'10''
5pc BathroomSecond level17'5'' x 9'9''
Primary BedroomSecond level15'4'' x 14'3''
3pc BathroomSecond level4'11'' x 9'7''
OtherMain level5'2'' x 8'8''
OfficeMain level10'9'' x 8'7''
Mud roomMain level5'9'' x 10'6''
Living roomMain level17'5'' x 13'3''
KitchenMain level15'8'' x 10'6''
FoyerMain level14'10'' x 8'5''
2pc BathroomMain level5'11'' x 4'11''
Dining roomMain level9'6'' x 12'0''

Listing Information

MLS®
40835282
Listed
June 8, 2026
Time on market
On the market for 99 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX TWIN CITY REALTY INC. · Data source: CREA DDF.

Description

Offering over 3,500 square feet of impeccably finished, carpet-free living space, this exceptional residence perfectly balances sophisticated design with the ease and vibrancy of Uptown living. Every detail has been thoughtfully considered, from rich hardwood flooring and porcelain tile to coffered ceilings, oversized windows, and custom millwork that lend warmth and timeless elegance throughout. The beautifully appointed kitchen features quartz countertops, custom cabinetry, built-in appliances, an apron-front sink, beverage fridge, and pot filler, while the adjoining living spaces invite everything from holiday celebrations to cozy nights by the fire. A private main-floor office offers a quiet retreat for those who work from home, while the custom mudroom keeps daily life beautifully organized. At day's end, escape to the primary suite-a sanctuary designed for rest and renewal. Beneath the raised tray ceiling, two custom walk-in closets provide exceptional storage, while the spa-inspired ensuite transforms ordinary routines into indulgent rituals with heated floors, a steam shower, soaker tub, double vanity, and private water closet. Two additional bedrooms and a beautifully appointed bath provide comfort for family and guests. Above it all, the rare third-floor loft offers endless possibilities as a family lounge, media room, home gym, creative studio, or guest retreat, complete with its own bathroom and separate climate control. Outside, the composite deck and fully fenced backyard extend the living space outdoors, offering privacy and a manageable lawn area where pets can play without compromising the low-maintenance lifestyle so often desired in Uptown living. Just steps from acclaimed restaurants, cafés, parks, trails, the LRT, and the energy of Uptown Waterloo, this is more than a beautiful home-it's a lifestyle defined by connection, convenience, and effortless luxury. (id:63159)

Values & Trends

This listing

$431/sqft

Building average

No other active listings in this building

114 - Uptown Waterloo/North Ward average

$442/sqft

31 active listing(s)

Parking: 2 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

Mostly Cloudy

21°C

Mostly Cloudy

Humidity 54%

Wind S 26 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Source: Environment and Climate Change Canada.

Population

126,356

(2021 Census)

+15.5% since 2016

Density: 1,656.3/km²

Dwellings: 54,453

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($330,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,320,000.00
Periodic payment — Principal & Interest (monthly)$8,516.19
Additional monthly expenses (strata, tax, utilities, etc.)$1,183.08
Total monthly cost$9,699.28
Interest paid over 5-yr term$378,315.79
Balance at end of term$1,187,344.27

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$330,000
Stress test qualifying rate8.09%
Payment you must qualify for$10,150.34

Cash Needed at Closing

Minimum down payment$330,000
Estimated BC PTT$31,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$362,500

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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