Property Type: Detached HouseOwnership: Freehold

683 PELHAM Street

Waterloo, BC N2K0C2

$1,248,000

3 bed4.5 bath4 parking3,850 sqftBuilt 2018
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Property Details

Property & Lot

Sub-type
House
Stories
2
Frontage
40 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$9,438.6

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Appliances
Washer, Refrigerator, Water softener, Central Vacuum, Gas stove(s), Dishwasher, Stove, Dryer, Microwave, Hood Fan, Window Coverings, Garage door opener

Exterior & Lot

Exterior features
Stone, Stucco, Brick Veneer
Lot features
Cul-de-sac, Automatic Garage Door Opener

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
3pc BathroomBasement8'2'' x 7'7''
Cold roomBasement11'6'' x 7'2''
StorageBasement9'10'' x 7'2''
Utility roomBasement11'0'' x 13'5''
Recreation roomBasement38'0'' x 25'10''
5pc BathroomSecond level10'8'' x 7'10''
5pc Ensuite bathSecond level12'5'' x 11'3''
Family roomSecond level25'11'' x 14'7''
BedroomSecond level10'1'' x 12'4''
BedroomSecond level10'2'' x 12'4''
Primary BedroomSecond level16'3'' x 16'4''
2pc BathroomMain level5'1'' x 5'7''
Laundry roomMain level8'0'' x 9'8''
Dining roomMain level11'7'' x 13'10''
KitchenMain level13'10'' x 13'9''
Living roomMain level33'3'' x 13'4''
FoyerMain level10'4'' x 7'9''

Listing Information

MLS®
40850279
Listed
July 31, 2026
Time on market
On the market for 46 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX TWIN CITY REALTY INC. · Data source: CREA DDF.

Description

Welcome to this beautifully designed 3-bedroom, 3.5-bathroom home offering exceptional space, comfort, and flexibility for today's lifestyle. The bright, open-concept main floor is filled with natural light from oversized windows and features a spacious living area with a cozy gas fireplace, creating the perfect setting for both relaxing and entertaining. The heart of the home is the stunning custom kitchen, complete with abundant cabinetry, granite countertops, and an oversized island that provides plenty of prep space and seating for family and guests. Upstairs, you'll find a generous primary retreat featuring a walk-in closet and a luxurious ensuite with an extra-large walk-in shower and a separate soaking tub. A spacious second-floor family room offers endless possibilities—enjoy it as a recreation space or easily convert it into two additional bedrooms, a home office, or a combination of both to suit your family's needs. The fully finished basement expands your living space with another inviting fireplace, a versatile recreation area, and a beautifully finished 3-piece bathroom featuring a heated floor and walk-in shower. Two large storage rooms and an oversized storage closet provide exceptional organization and storage options. Step outside to your private backyard oasis, where a concrete patio, charming gazebo, and mature greenery create the perfect backdrop for outdoor entertaining, summer barbecues, or peaceful evenings. Thoughtfully designed with spacious living areas, quality finishes, and incredible flexibility, this home is ready to welcome its next family. Ideally located in dead end street with no traffic, just minutes from beautiful Kiwanis Park, scenic walking trails along the Grand River, and numerous nearby parks, this home offers the perfect balance of nature and convenience. You'll also enjoy easy access to shopping, schools, amenities, and the expressway, making commuting and everyday errands a breeze. (id:63159)

Values & Trends

This listing

$324/sqft

Building average

No other active listings in this building

120 - Lexington/Lincoln Village average

$432/sqft

22 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: Cambridge

Mostly Cloudy

21°C

Mostly Cloudy

Humidity 54%

Wind S 26 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Source: Environment and Climate Change Canada.

Population

126,356

(2021 Census)

+15.5% since 2016

Density: 1,656.3/km²

Dwellings: 54,453

Source: Statistics Canada, 2021 Census of Population.

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: 8.0% ($99,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$998,400.00
Periodic payment — Principal & Interest (monthly)$6,441.34
Additional monthly expenses (strata, tax, utilities, etc.)$979.55
Total monthly cost$7,420.89
Interest paid over 5-yr term$286,144.31
Balance at end of term$898,064.03

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$99,800
Stress test qualifying rate8.09%
Payment you must qualify for$8,829.26

Cash Needed at Closing

Minimum down payment$99,800
Estimated BC PTT$22,960
Legal / closing costs (typical estimate)$1,500
Total cash needed$124,260

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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