Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

54 WILLOW Street

Waterloo, BC N2J1V5

$599,900

3 bed3.5 bath4 parking1,940 sqft
Get Directions

Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2.5
Frontage
30 feet

""H""R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,385

Interior

Basement
Partially finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Dishwasher, Stove, Dryer, Window Coverings

Exterior & Lot

Exterior features
Brick, Aluminum siding

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
StorageBasement
Utility roomBasement
Family roomBasement11'8'' x 18'4''
OtherThird level5'8'' x 9'3''
OtherThird level6'10'' x 7'2''
OfficeThird level9'11'' x 12'7''
3pc Ensuite bathThird level7'8'' x 9'3''
Primary BedroomThird level10'2'' x 18'8''
4pc BathroomSecond level
BedroomSecond level9'11'' x 10'2''
BedroomSecond level10'1'' x 12'2''
Mud roomMain level4'10'' x 10'8''
2pc BathroomMain level
KitchenMain level8'10'' x 10'10''
Dining roomMain level10'3'' x 11'2''
Living roomMain level11'2'' x 12'2''

Listing Information

MLS®
40854547
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

Check everything off your list! This adorable UPTOWN beauty with tons of living space has been thoughtfully renovated and is across the street from WATERLOO’s popular Mary Allen Park & Spur Line Trail, just steps from all the best local restaurants and amenities! Once inside, the foyer welcomes you to a bright living room with nine foot+ ceilings, hardwood floors and large windows with views of the mature streetscape. The updated kitchen has timeless white shaker cabinetry and quartz counters complete with an entertainer’s peninsula and stainless appliances, open to a spacious dining room. A convenient coffee bar or potential office nook has sliders to a private fully fenced backyard with two-tier deck, flagstone patio and many perennials. Completing this level is a convenient two piece bathroom with main floor laundry rough-in. On the second level are two generous bedrooms, including one with separate office space or potential walk-in closet. An updated four piece bathroom is down the hall. BONUS! Showstopper LOFT level! This amazing level includes a huge primary bedroom with a sitting AND office area. There are two walk-in closets as well as an updated primary bathroom with extra large tiled glass shower. There is even a door to a private backyard balcony with the prettiest neighbourhood views! Living space continues in the finished walkup basement (with handy backyard access!) including a family room, a laundry room and plenty of storage. Additional updates include furnace/heatpump (2025), family room (2022), Refrigerator & dishwasher (2026), induction stove (2024), water softener, washer & dryer (2023), as well as updated plumbing and electrical. Parking for four! Enjoy the fresh air while sitting on your covered front porch or back deck, knowing the wonderful restaurants and shops of Uptown are just down the street. A rare opportunity to find a spacious and meticulously maintained home in the heart of the Region's best amenities! (id:63159)

Values & Trends

This listing

$309/sqft

Building average

No other active listings in this building

114 - Uptown Waterloo/North Ward average

$446/sqft

31 active listing(s)

Parking: 4 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: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (strata, tax, utilities, etc.)$545.75
Total monthly cost$3,642.03
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$34,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,343.96

Cash Needed at Closing

Minimum down payment$34,990
Estimated BC PTT$9,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,488

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.

Request more information