45 Columbia Street, Waterloo, ON

$6,990,000
MLS#:X14166842
0 beds
0 baths
Commercial
Commercial for sale - 0 Bed, 0 Bath Home at 45 Columbia Street Waterloo ON listed at $6,990,000 (MLS# X14166842) - Main View
For Sale
Added:Nov 10, 2026(1 day ago)
Updated:Nov 10, 2026(1 day ago)
Last Checked:20 minutes ago

Property Highlights

Welcome to this remarkable investment located in the coveted neighborhood of Waterloo. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $6,990,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 0 Bedrooms and 0 Bathrooms
  • Premium 100.12 x 136.28 ft lot size
  • Convenient covered garage included
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

Built in 2011 Exceptional Investment Opportunity in the Heart of Waterloo! Ideally situated between Wilfrid Laurier University and the University of Waterloo, this impressive multi-residential/student housing property offers outstanding income potential in one of Waterloo's most sought-after student rental locations. , the building features 13 spacious units with a total of 65 bedrooms, offering significant potential to capitalize on the area's strong student housing demand. Each generously sized suite features 5 bedrooms, 2 bathrooms, spacious common areas, large hallways, ceramic and laminate flooring, dark cabinetry and Juliette balconies. Additional highlights include energy-efficient HVAC systems in each unit, separate hydro and gas meters, secure entry with video surveillance, onsite coin-operated laundry and dedicated bike storage. Surrounded by shopping malls, restaurants, entertainment and convenient public transit, this prime location places residents just moments from two major universities. A rare opportunity to invest in a substantial multi-residential property in a thriving university market with excellent long-term potential! Annual Fire Inspection Certificate 2026 Digital Keys and Lock Replacement 2026 Roof Inspection & Maintenance 2026 Replacement of 19 Windows 2025 Water Tank Replacement for the 13 units 2024 Debit/Credit Laundry Machine Replacement 2020 Whole Property Painting

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Property Summary

This investment located at 45 Columbia Street, Waterloo is currently for sale and has been available for 1 day. This property is listed at $6,990,000 with an estimated mortgage of $23,267* per month. It has 0 beds, 0 bathrooms, and is unknown square feet. 45 Columbia Street, Waterloo

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Waterloo.

Great for Small Household / Couples
What We Love About This Home
  • •Desirable Investment architecture in Waterloo
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Property Type
Commercial

Additional Details

StatusActive
Price$6,990,000
AddedNov 10, 2026 (1 day ago)
UpdatedNov 10, 2026 (1 day ago)
Last Checked20 minutes ago
Transaction TypeFor Sale
List Office NameROYAL LEPAGE REAL ESTATE SERVICES LTD.

Property Details

Property Sub-TypeInvestment
Lot Size100.12 Ă— 136.28 Feet
CountyWaterloo
Annual Tax$59,919
Legal DescriptionLT 20 PL 741 EXCEPT PT 36 58R13959 ; WATERLOO SUBJECT TO AN EASEMENT AS IN WR621157 LT 21 PL 741 EXCEPT PT 38 58R13959 ; WATERLOO ; S/T EASE LT112872 ON PT 37 58R13959. SUBJECT TO AN EASEMENT AS IN WR621157, PIN : 223610326 and 2236103264

Parking & Garage

Parking Space13
Garage TypeCovered

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • Yes

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Waterloo Home Buyer Advisory & Market HubActive MLS® Listing in Waterloo, Ontario

Looking to Buy a Home in Waterloo?

If you are looking for a house in Waterloo or researching Waterloo real estate for sale, this investment at 45 Columbia Street, Waterloo, ON offers an exceptional opportunity to buy a home in Waterloo, Ontario. Whether you are a first-time Waterloo home buyer or comparing active Waterloo MLS® homes for sale, working with a dedicated Waterloo buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Waterloo Homes for Sale & MLS® Listings

Browse all verified Waterloo real estate listings, compare active Waterloo houses for sale, and view brand new MLS® inventory before it hits the open market.

Dedicated Waterloo Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Waterloo realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Waterloo Buyer Budget & Costs

Estimated mortgage: $23,267*/month*. Estimated Ontario Land Transfer Tax: $161,225. First-time Waterloo home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Waterloo

Frequently Asked Questions about 45 Columbia Street, Waterloo, ON

Q.What is the asking price for 45 Columbia Street, Waterloo, ON ?

The current listing price for 45 Columbia Street, Waterloo, ON in Waterloo is $6,990,000.

Q.How many bedrooms and bathrooms does this property have?

This property features null bedrooms and null bathrooms.

Q.What property type and architectural style is 45 Columbia Street, Waterloo, ON ?

45 Columbia Street, Waterloo, ON is a Investment () featuring a basement.

Q.What security features are installed at 45 Columbia Street, Waterloo, ON ?

Security features include: Yes.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via Yes.

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Location

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45 Columbia Street, Waterloo, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Waterloo, Waterloo

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

Pricing & Value Insights

Data-driven valuation for 45 Columbia Street W, Waterloo, ON N2L 3K4

Estimated Sales Range
$6,641,000 - $6,850,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Waterloo.

Configure Loan Settings

Interest Rate4.00%
Down Payment$2,097,000 (30.0%)
* Minimum Canadian down payment required for this price is $1,398,000.
Amortization Period30 Years
Estimated Monthly Payment$23,267Based on a loan of $4,893,000 over 30 years.
Purchase Price$6,990,000
Loan Amount$4,893,000
Provincial Land Transfer Tax:$161,225
Total Estimated Closing Taxes:$161,225

About Purchasing a Home in Waterloo, ON

For a property listed at $6,990,000 in Waterloo, the legal minimum down payment is $1,398,000 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $161,225 for this transaction. As this listing is in Waterloo (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $161,225.

Waterloo Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Waterloo.

Verified Local Data
City Population575,847
City Median Age38 Yrs
City Ownership65% Owners
Avg Area List Price$861,587

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
45%
Couples without children
28%
Other households
3%

Top Ethnic Origins

English18%
German17%
Scottish15%
Irish15%

Best Schools in Waterloo

Elementary Schools

L'Harmonie
Public158 Bridgeport Road East, Waterloo, Ontario, N2J 2K4
6.5
Elizabeth Ziegler
Public90 Moore Avenue South, Waterloo, Ontario, N2J 1X2
6.3
Winston Churchill
Public100 Milford Avenue, Waterloo, Ontario, N2L 3Z3
5.5
Our Lady of Lourdes
Public55 Roslin Avenue South, Waterloo, Ontario, N2L 6N5
5.0
Mère-Élisabeth-Bruyère
Public280 Glenridge Drive, Waterloo, Ontario, N2J 3W4
6.8

Secondary Schools

St. David
Catholic4 High Street, Waterloo, Ontario, N2L 3X5
8.0
Bluevale
Public80 Bluevale Street North, Waterloo, Ontario, N2J 3R5
7.0

Waterloo Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

MLS® Active
$6,990,000

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