For Sale
Waterloo, ON N2J 3K7
From PropTx
$645,000
As listed by the seller and their brokerage. It is a request, not a valuation, and nothing tests it until an offer arrives.
From MyNest360
The tools we build on top of the listing, each figure sourced and none of it PropTx data: what the house really costs to hold, what it costs to borrow against, and the inspection to book before your conditions come off.
From PropTx
The price, facts, description and history exactly as the feed states them. Nothing in this section is our own estimate.
Counts and measurements as the listing states them, not verified by us. Source: PropTx
What comes from PropTx, and what is ours
The price, address, room and size figures, description and days on site are sourced from PropTx and can lag the live listing. The map placement and the cost, offer, insurance and rental tools below are our own work, not PropTx data. Anything we have modelled rather than sourced carries an Est. tag.
This listing's price and status history is available to members
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Prior asking prices, terminations and relists are licensed to registered members only. Nothing here should be read as evidence that the current price is the only price this house has been offered at: it is a limit on who we may show this to, not a finding about the listing.
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A distinctive Waterloo home where timeless character meets thoughtful modern design. 223 Carter Avenue has been transformed with warm natural textures, rich wood tones and beautifully considered finishes throughout. The showpiece kitchen features custom eucalyptus-toned cabinetry, quartz countertops, an appliance garage, soft-close drawers, sheetpan cupboard, utensil built-in drawer and a cleverly concealed coffee station tucked behind cabinetry doors-keeping everyday essentials beautifully organized and out of sight. The kitchen opens naturally to the living and dining spaces, complemented by a striking cedar ceiling, engineered hardwood and natural light. The main level continues with comfortable bedrooms and a beautifully appointed bathroom featuring heated floors and a heated towel rack, again beautifully updated. The lower level offers an impressive second living space with a generous recreation room, custom bar, gas fireplace, fourth bedroom (or den, gym), 3piece bath and walk-up access. Perfect for entertaining, movie nights, guests, a home office or growing families. Outside, enjoy a private backyard and custom patio in an established Waterloo neighbourhood close to parks, schools, shopping, transit, laurel trail and everyday amenities. Distinctive, warm and thoughtfully designed-223 Carter Avenue is anything but ordinary.
Written by the listing brokerage to sell the house. Nothing in it is verified, so take its claims about condition to an inspection, not from it.
The pills are copied from the listing and sorted for reading, with nothing added to them, and a group the listing did not fill in is absent rather than empty. Where a group is written as sentences instead, those are ours: what the listing named, and what it means.
On the record, and not one of the groups above.
1 years, from $3,904 in 2026 to $3,904 in 2026.
Neighbourhood market statistics is available to members
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Medians, sale-to-list ratios and absorption are computed from sold prices, and they are licensed to registered users only. There is no approximate version of a median that would be honest to show in their place.
Every home of this type in Waterloo that has sold in the last 3 years.
Contact details for the listing agent are not shown: our current listing agreement licences them to registered users only.
Sourced from: PropTx. Last updated Sep 10, 2026.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose. Listing information is deemed reliable but is not guaranteed accurate by the Toronto Regional Real Estate Board or PropTx.
From MyNest360
None of this is PropTx data. Each figure is our own and carries its source: the true cost to own, the mortgage studio, the inspection plan, and the rest.
At 20% or more there is no CMHC premium.
20% down · 4.68% indicative 5-yr fixed · The number of years the whole balance is paid off over. A longer amortization lowers the monthly payment and raises the total interest.. $3,904 for 2026, from the tax figure stated on the listing, divided by twelve. That is what the current owner pays, as the listing states it. That twelfth is the annual amount levelled across the year and not a payment you will make on any date. How a municipality actually collects it is set out in documents nobody here has read.; heat and utilities estimated. Figures illustrative.
Compare lenders and private optionsIt asks one question first: whether someone is already acting for you. That answer changes who books the visit and who is on your side inside the house.
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Tara McCarthy
Broker, VP Ultra Luxury Division
Every question about this home reaches a licensed broker, not a form.
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Figures such as 4.79% sample rates and estimates are illustrative only. Verify all details with a licensed professional before making an offer.
The listing does not say whether there is a second dwelling unit here. Other records in this set state it either way, so this is a silence rather than a no.
Listed by McIntyre Real Estate Services Inc..
Listed by THE AGENCY.
Listed by HOMELIFE SUPERSTARS REAL ESTATE LIMITED.
Listed by ROYAL LEPAGE WOLLE REALTY.
Listed by PMT REALTY INC..
Two figures stand against this house for two different purposes, the asking price and the assessment, so they do not agree and were never meant to. The gap is worked out here rather than left for you to hold in your head.
Nothing of this kind on the record, and nothing here fills it in from an average of other houses.
The figure property tax is apportioned from, valued as of a date that is not today. It is not a market value and no lender treats it as one.
None of these is an appraisal. Your lender orders one of those once an offer is accepted, and it is the figure that decides how much they will actually lend.
Listed by McIntyre Real Estate Services Inc..
At 20% down and 4.68% fixed, the all-in monthly cost works out to $3,383. Every line, the pool and the well included, plus the first-year total, is on the full breakdown.
Listed by THE AGENCY.
Listed by HOMELIFE SUPERSTARS REAL ESTATE LIMITED.
Listed by ROYAL LEPAGE WOLLE REALTY.
Listed by HOMELIFE LANDMARK REALTY INC..
Listed by PMT REALTY INC..