Property Type: Detached HouseOwnership: Freehold

57 PEPPLER Street

Waterloo, BC N2J3C7

$549,900

3 bed2 bath4 parking1,711 sqftBuilt 1950
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Property Details

Property & Lot

Sub-type
House
Style
Bungalow
Stories
2
Frontage
4953 feet

GR-2

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,196.52

Interior

Basement
Finished, Full
Heating
Heat Pump
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer, Freezer, Window Coverings, Microwave Built-in

Exterior & Lot

Exterior features
Brick
Lot features
Corner Site, Sump Pump

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement2'8'' x 5'5''
Recreation roomBasement15'11'' x 21'8''
4pc BathroomBasement8'9'' x 6'9''
BedroomSecond level12'3'' x 13'2''
BedroomSecond level10'8'' x 13'2''
Living roomMain level15'3'' x 11'5''
KitchenMain level10'9'' x 19'0''
Primary BedroomMain level12'2'' x 10'6''
4pc BathroomMain level1'6'' x 4''

Listing Information

MLS®
40858037
Listed
August 26, 2026
Time on market
On the market for 19 days
Data last synced
September 15, 2026

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

Description

Welcome to 57 Pepper Street, a 3-bedroom, 2-bathroom home located near Uptown Waterloo. The property offers a finished basement, updated mechanicals, flexible living space, smart-home features, outdoor entertaining areas, and parking for up to four vehicles. The main floor features a bright living area, an updated kitchen with modern appliances, ample cabinetry and countertop space, plus a main-floor bedroom and full bathroom. Upstairs are two additional bedrooms with natural light. The finished basement provides additional living space with a recreation room, office area, exercise space, laundry room, and a 4-piece bathroom. Outside, the property includes a deck, side yard, and gazebo, providing space for outdoor dining, BBQs, and gatherings. The home also includes a range of smart-home features, including smart switches throughout much of the property, smart smoke detectors, smart lamps, security cameras, a wireless smart video doorbell, Google Home Hub, and Ecobee smart thermostat. The video doorbell is currently removed and requires charging before being reinstalled beside the front door. Recent upgrades include a 200-amp electrical panel and EV charger (2021), washer and dryer (2022), rented water heater (2022), heat pump (2022), air conditioning (2022), roof and gutters (2022), attic and wall insulation (2023), and water softener (2024). Located close to Uptown Waterloo, the home provides convenient access to both universities, highways, LRT and public transit, restaurants, cafés, parks, trails, schools, groceries, and everyday services. Elizabeth Ziegler Public School is scheduled to reopen in September 2027. A practical option for families, first-time buyers, investors, and professionals. Book your private showing today. (id:63159)

Values & Trends

This listing

$321/sqft

Building average

No other active listings in this building

116 - Glenridge/Lincoln Heights average

$420/sqft

23 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: 5.5% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (strata, tax, utilities, etc.)$435.71
Total monthly cost$3,273.92
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$29,990
Stress test qualifying rate8.09%
Payment you must qualify for$3,997.93

Cash Needed at Closing

Minimum down payment$29,990
Estimated BC PTT$8,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,488

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.

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