Property Type: Detached HouseOwnership: Freehold

181 LINCOLN Road

Waterloo, BC N2J2P2

$1,350,000

4 bed4.5 bath15 parking2,410 sqft
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Property Details

Property & Lot

Sub-type
House
Style
Raised bungalow
Stories
1
Lot size
0.52 acres
Frontage
100 feet

SR3

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,919

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Refrigerator, Water softener, Dishwasher, Stove

Exterior & Lot

Exterior features
Brick
Lot features
Automatic Garage Door Opener

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
15 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
StorageBasement11'8'' x 4'10''
Utility roomBasement4'1'' x 1'9''
StorageBasement4'11'' x 5'10''
Recreation roomBasement16'11'' x 11'3''
KitchenBasement18'2'' x 10'5''
DenBasement8'8'' x 11'3''
3pc BathroomBasement5'9'' x 4'11''
2pc BathroomBasement6'6'' x 3'6''
BedroomMain level12'0'' x 14'9''
Primary BedroomMain level13'6'' x 25'1''
BedroomMain level14'1'' x 16'2''
BedroomMain level13'3'' x 13'4''
KitchenMain level10'9'' x 10'11''
Family roomMain level14'0'' x 25'1''
Dining roomMain level12'0'' x 11'11''
Living roomMain level20'5'' x 12'0''
4pc BathroomMain level9'2'' x 25'11''
4pc BathroomMain level4'10'' x 10'3''

Listing Information

MLS®
40860783
Listed
September 7, 2026
Time on market
On the market for 8 days
Data last synced
September 15, 2026

Listing provided by: Re/Max Icon Realty · Data source: CREA DDF.

Description

Welcome to 181 Lincoln Road, an exceptional California-style raised bungalow nestled on one of Waterloo's most desirable tree-lined streets. Set on a spectacular private lot surrounded by mature trees and established perennial gardens. this beautifully maintained home offers a rare blend of privacy, space, convenience and future potential. Inside, generous principal rooms, quality finishes, and an inviting layout create an elegant setting for everyday living and entertaining. The flexible floor plan offers four generously sized bedrooms, with option to configure as three bedrooms plus a home office. The lower level provides excellent potential for additional living space, an in-lawsuite, recreation area or multi-generational accommodation.An oversized triple car garage and an extraordinary driveway with parking for up to 15 vehicles offer exceptional flexibility for car enthusiasts, business owners, hobbyists, or growing families The location is second to none, with Lincoln Heights Public School, St. Agnes Catholic School, Bluevale Collegiate Institute, and St. David's Catholic Secondary School nearby. Transit is at your doorstep, while the University of Waterloo and Wilfred Laurier University are just minutes away. Professionally surveyed for future expansion, this remarkable property offers exciting possibilities for the future. A rare Waterloo offering where mature grounds, exceptional privacy, generous living space, extraordinary parking, and an enviable location come together. Move in and enjoy, or bring your vision to make this exceptional property truly your own. (id:63159)

Values & Trends

This listing

$560/sqft

Building average

No other active listings in this building

116 - Glenridge/Lincoln Heights average

$407/sqft

23 active listing(s)

Parking: 15 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: Kitchener-Waterloo

Cloudy

16°C

Cloudy

Humidity 80%

Wind SE 13 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

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: 8.1% ($110,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,080,000.00
Periodic payment — Principal & Interest (monthly)$6,967.79
Additional monthly expenses (strata, tax, utilities, etc.)$864.25
Total monthly cost$7,832.04
Interest paid over 5-yr term$309,531.10
Balance at end of term$971,463.49

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$110,000
Stress test qualifying rate8.09%
Payment you must qualify for$9,535.17

Cash Needed at Closing

Minimum down payment$110,000
Estimated BC PTT$25,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$136,500

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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