Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

163 CHELFORD Crescent

Waterloo, BC N2J3T7

$725,000

3 bed3 full, 2 half bath5 parking2,150 sqftBuilt 1967
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
3
Lot size
0.23 acres
Frontage
60 feet

sr2

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,179

Interior

Basement
Finished, Full
Heating
Heat Pump, Hot water radiator heat, Radiant heat
Cooling / A/C
Ductless
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer, Garage door opener, Microwave Built-in

Exterior & Lot

Exterior features
Brick
Lot features
Sump Pump, Automatic Garage Door Opener

Building

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

Parking

Total spaces
5 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
OfficeBasement7'7'' x 11'0''
Laundry roomBasement11'4'' x 12'9''
Recreation roomBasement11'7'' x 18'5''
BedroomThird level9'7'' x 11'0''
BedroomThird level11'0'' x 11'2''
5pc BathroomThird level
2pc Ensuite bathThird level
Primary BedroomThird level12'0'' x 13'8''
Family roomSecond level12'0'' x 20'0''
Dining roomSecond level11'4'' x 11'4''
KitchenSecond level9'11'' x 11'4''
Living roomMain level11'4'' x 20'8''
2pc BathroomMain level

Listing Information

MLS®
40861917
Listed
September 9, 2026
Time on market
On the market for 5 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX Twin City Realty Inc. · Data source: CREA DDF.

Description

Welcome to this beautifully updated and energy efficient family home in Waterloo’s sought-after Lincoln Heights neighbourhood. Set on a large pie-shaped lot with mature trees, this move-in-ready home offers the perfect blend of character, comfort, and thoughtful updates in one of the city’s most established communities. Inside, you’ll find bright, inviting living spaces, a renovated kitchen, three spacious bedrooms, a full bathroom, a convenient main-floor powder room, and a private two-piece ensuite. The professionally finished basement provides valuable additional living space, including a dedicated home office, a generous recreation area, and a bathroom rough-in for future possibilities. Step outside and discover one of this home’s standout features. The expansive, fully fenced backyard offers room for children to play, gardens to grow, and family gatherings to unfold beneath the shade of mature trees. Walk out from the family room sliders to a large covered porch creates an inviting outdoor living space that can be enjoyed from spring through fall, whether you’re entertaining friends or enjoying a quiet morning coffee. This home has been thoughtfully upgraded for both comfort and peace of mind, including two energy-efficient mini-split heat pumps, a new gas fireplace, exterior drainage improvements, sump pump, updated windows, a new front door, new eavestroughs, and fresh paint throughout. Ideally located close to excellent schools, parks, trails, shopping, transit, and Uptown Waterloo, this is a rare opportunity to own a beautifully maintained home on an exceptional lot in one of Waterloo’s most desirable neighbourhoods. (id:63159)

Values & Trends

This listing

$337/sqft

Building average

No other active listings in this building

116 - Glenridge/Lincoln Heights average

$419/sqft

23 active listing(s)

Parking: 5 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: Guelph

13°C

Humidity 88%

Wind SE 2 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

25°

Thursday night

13°

Source: Environment and Climate Change Canada.

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: 6.6% ($47,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$580,000.00
Periodic payment — Principal & Interest (monthly)$3,741.96
Additional monthly expenses (strata, tax, utilities, etc.)$539.58
Total monthly cost$4,281.55
Interest paid over 5-yr term$166,229.67
Balance at end of term$521,711.88

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,209.74

Cash Needed at Closing

Minimum down payment$47,500
Estimated BC PTT$12,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,500

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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