Property Type: Detached HouseOwnership: Freehold

584 PINERY Trail

Waterloo, BC N2V2Y3

$999,999

6 bed5.5 bath6 parking2,625 sqft
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
40 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,508

Interior

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

Exterior & Lot

Exterior features
Brick, Aluminum siding
Lot features
Conservation/green belt, Automatic Garage Door Opener

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
6 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
BedroomBasement12'4'' x 9'10''
BedroomBasement11'6'' x 9'10''
Living roomBasement26'3'' x 9'0''
KitchenBasement11'6'' x 8'2''
3pc BathroomBasement
2pc BathroomMain level
3pc BathroomSecond level
4pc BathroomSecond level
5pc Ensuite bathMain level
Laundry roomSecond level
LoftSecond level8'11'' x 7'9''
BedroomSecond level10'9'' x 16'2''
BedroomSecond level10'9'' x 12'3''
BedroomSecond level10'9'' x 10'9''
Primary BedroomSecond level17'6'' x 12'8''
KitchenMain level13'9'' x 9'5''
Dining roomMain level11'9'' x 10'6''
Living roomMain level13'9'' x 18'3''
DenMain level13'9'' x 10'5''

Listing Information

MLS®
40852361
Listed
August 5, 2026
Time on market
On the market for 40 days
Data last synced
September 15, 2026

Listing provided by: HOMELIFE MIRACLE REALTY LTD · Data source: CREA DDF.

Description

Welcome to 584 Pinery Trail-an exceptional home in Waterloo's sought-after Conservation Meadows, perfect for first-time buyers and those looking to upgrade into more space and flexibility. Backing onto serene greenspace and just minutes from Laurel Creek Reservoir and the University of Waterloo, this well-maintained legal duplex offers over 3,400 sq ft of living space-combining lifestyle and income potential. The main home features 4 spacious bedrooms, multiple living areas, and a functional layout ideal for growing families. Enjoy separate living & family rooms as well as formal dining room-perfect for entertaining, relaxing, or working from home-along with a modern upgraded kitchen featuring sleek cabinetry, stylish countertops, and a gas oven. Fresh paint throughout adds a clean, move-in-ready feel. For first-time buyers, the fully legal 2-bedroom walkout basement (2nd Dwelling) apartment provides an incredible advantage. Currently rented for $1,700/month, it includes a private entrance, separate laundry, and its own patio-helping offset mortgage costs while building equity. With 6 bedrooms and 5 bathrooms in total, this home offers flexibility for multi-generational living or future rental opportunities. Recent upgrades include a new furnace (2023), tankless water heater, and water softener, along with newly installed Zebra Blinds, interior and exterior pot lights, and smart security features for added comfort and peace of mind. Step outside to a large deck with a gas BBQ line overlooking peaceful greenery-perfect for relaxing or hosting. Close to top-rated schools, parks, shopping, and transit, this home offers both convenience and long-term value. A rare opportunity for buyers looking to enter the market or upgrade with income potential-don't miss it! (id:63159)

Values & Trends

This listing

$381/sqft

Building average

No other active listings in this building

441 - Erbsville/Laurelwood average

$404/sqft

17 active listing(s)

Parking: 6 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: 7.5% ($75,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$799,999.00
Periodic payment — Principal & Interest (monthly)$5,161.32
Additional monthly expenses (strata, tax, utilities, etc.)$756.67
Total monthly cost$5,917.99
Interest paid over 5-yr term$229,282.01
Balance at end of term$719,601.69

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$75,000
Stress test qualifying rate8.09%
Payment you must qualify for$7,112.92

Cash Needed at Closing

Minimum down payment$75,000
Estimated BC PTT$18,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$94,500

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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