Property Type: Detached HouseOwnership: Freehold

244 ROYAL Street

Waterloo, BC N2J2J2

$729,000

3 bed2 bath3 parking2,182 sqftBuilt 1957
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Property Details

Property & Lot

Sub-type
House
Style
Bungalow
Stories
1
Frontage
59 feet

SR2

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,631

Interior

Basement
Partially finished, Full
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Wood, Other - See remarks
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer

Exterior & Lot

Exterior features
Brick

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
3

Room Dimensions

RoomLevelDimensions
3pc BathroomBasement8'5'' x 11'7''
Recreation roomBasement21'5'' x 27'1''
4pc BathroomMain level7'1'' x 7'9''
BedroomMain level10'5'' x 10'0''
BedroomMain level10'5'' x 10'0''
Primary BedroomMain level14'8'' x 15'0''
Family roomMain level13'8'' x 25'0''
DinetteMain level7'8'' x 11'0''
KitchenMain level7'8'' x 10'3''
Living roomMain level11'11'' x 14'7''

Listing Information

MLS®
40855421
Listed
August 19, 2026
Time on market
On the market for 27 days
Data last synced
September 15, 2026

Listing provided by: eXp Realty, Brokerage · Data source: CREA DDF.

Description

Welcome to 244 Royal St., a charming three-bedroom, two-bathroom bungalow offering a comfortable layout, thoughtful updates, and plenty of space to enjoy both everyday living and entertaining. The main floor features a bright and inviting living room that flows naturally into the updated kitchen, completed approximately three years ago and featuring stainless steel appliances, contemporary cabinetry and a stylish tiled backsplash. Off the kitchen, a large and spacious family room at the back of the home provides additional living space, perfect for relaxing or entertaining. Three bedrooms provide comfortable accommodations, while the updated main-floor bathroom offers a fresh, modern feel. Downstairs, the finished basement adds valuable living space with an updated three-piece bathroom, a laundry area and a generous recreation space, perfect for a family room, home office, gym or entertaining area. Step outside to the backyard deck, an ideal spot for morning coffee, summer gatherings or relaxing at the end of the day. With its inviting layout, functional updates and versatile finished basement, 244 Royal St. is a wonderful opportunity to make a well-cared-for Waterloo bungalow your own. (id:63159)

Values & Trends

This listing

$334/sqft

Building average

No other active listings in this building

114 - Uptown Waterloo/North Ward average

$445/sqft

31 active listing(s)

Parking: 3 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% ($47,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$583,200.00
Periodic payment — Principal & Interest (monthly)$3,762.61
Additional monthly expenses (strata, tax, utilities, etc.)$494.92
Total monthly cost$4,257.53
Interest paid over 5-yr term$167,146.80
Balance at end of term$524,590.29

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,900
Stress test qualifying rate8.09%
Payment you must qualify for$5,237.42

Cash Needed at Closing

Minimum down payment$47,900
Estimated BC PTT$12,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,980

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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