137 White Pine Crescent, Waterloo

$749,900
137 White Pine Crescent

$749,900

New
16d
DetachedSidesplit 4

137 White Pine Crescent, Waterloo

Total Monthly Obligation $3,832

Beds
4
Baths
2
Park
6
Sqft
1500-2000
DOM
16d
Score
20
Yield
5.4%
Cash on Cash
-1.2%
Cap Rate
4.3%
5Y IRR
14.6%
10Y IRR
13.9%
Property Type-Detached
MLS® Number-X13870736
Beds-4
Bathrooms-2
Size-1500-2000 sqft
Lot Size-55.02 × 106.98 ft
Listed on site-Oct 7, 2026
Style-Sidesplit 4
Building Type-Detached
Taxes-$5,184.78 (2026)
Parking-8 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE RCR REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-North
Exterior-Aluminum Siding, Brick
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-TBA
Title-Residential Freehold

No agent assigned

Set on a mature lot in Waterloo's highly sought-after Lakeshore neighbourhood, this well cared for 4-level sidesplit is surrounded by everything that makes this community so desirable. Tucked away on a quiet, family-friendly crescent and backing directly onto a peaceful park with no rear neighbours, the private backyard feels like a natural extension of the home. Towering mature trees, beautiful views, and direct access to greenspace create a peaceful setting for relaxing, entertaining, or simply enjoying the outdoors. Inside, the bright main floor welcomes you with a spacious living room where a large picture window fills the space with natural light. The adjoining dining area flows into a thoughtfully updated kitchen featuring warm cabinetry, ample prep space, and a breakfast bar that's perfect for casual meals, morning coffee, or catching up at the end of the day. Just a few steps down, the inviting family room is anchored by a beautiful stone gas fireplace and offers a walkout to the backyard, creating a seamless connection between indoor and outdoor living. A convenient 2-piece powder room completes this level. Upstairs, you'll find three comfortable bedrooms, including a spacious primary bedroom, along with a 4-piece bathroom. The finished lower level adds flexibility with a generous recreation room, a fourth bedroom that's ideal for guests, teenagers, or extended family, a separate office for working from home or hobbies, and exceptional storage beneath the attached double garage. Beyond the home, you'll appreciate excellent schools, parks, walking and biking trails, Laurel Creek Conservation Area, St. Jacobs Farmers' Market, shopping, restaurants, both universities, the ION LRT, and quick access to the Expressway. With parking for up to eight vehicles, an attached double garage, and a peaceful park-side setting, this thoughtfully maintained home offers the space, privacy, and established neighbourhood buyers are searching for.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$599,920
Land Transfer Taxes$11,473
Legal Fees (Est.)
$
Total cash required for closing$162,953

Total Monthly Obligation

$3,832/mo
Mortgage $3,025
Monthly Loss $3,036
Principal$796
Interest$2,229
Property Tax$432
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-6.0%2
5-Year IRR
10.9%42
10-Year IRR
11.3%
Returns Index
22.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$40,404/yr
NOI
$26,679/yr
Net Cash Flow
-$802/mo
Cash Margin
-23.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7311
LTV Ratio
80.0%18
Vacancy Buffer
2.5 mo40
Risk Index
23.2/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 137 White Pine Crescent

Time

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