19 James Street, Waterloo, ON N2J 2S8
Waterloo, ON N2J 2S8
Quick cost estimateKnown monthly subtotal$6,371.78 / monthLand transfer tax $21,473One-time estimate
Quick cost estimate
$6,371.78 / monthKnown monthly subtotal
- Mortgage principal & interest
- $5,815.58
- Property tax / month
- $556.20
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $21,473
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $21,473
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
$91,000+ Gross Annual Income Available Here! Rare University District Triplex with Strong Income and Future Upside! Opportunities like this are increasingly difficult to find in Waterloo's highly sought-after rental market. Located on a cul-de-sac that is about a one minute walk to Wilfrid Laurier University's Science Building and a quick e-scooter ride to University of Waterloo, this Money Maker is also in close proximity to all amenities that make Waterloo great (Uptown Waterloo with its boutiques and bars). This City approved, rental licensed building offers investors an exceptional combination of location, income, and long-term potential. The property features three self-contained units with a desirable mix of two 3-bedroom units and one 5-bedroom unit, for a total of 11 bedrooms. Combining the charm and character of a century home with a purpose built addition, this property features spacious layouts, generous bedroom sizes, in-suite laundry, and ample on-site parking for up to six vehicles - note both the independent driveway as well as surface parking. With strong Day One cash flow, future turnover may offer investors opportunities to further optimize rents and improve returns. Separate hydro and gas meters create additional expense-management possibilities. At the property, look up and note the institutional-quality developments across the street and at the corner. The property's RMU-30 zoning while being surrounded by undeveloped homes may also merit future consideration for redevelopment or intensification. I have owned property on this street - and you should too. Whether you're an experienced investor looking to expand your portfolio, a first-time multi-residential buyer seeking a foothold in Waterloo's resilient rental market, or a parent investor planning ahead for university housing needs (send your kid to school and make money), 19 James Street presents a compelling opportunity in one of the City's most desirable locations.
Home details
- Days on market
- Not reported
- Property type
- Triplex
- MLS® number
- X14092196
- Source status
- New
- Bedrooms
- 11
- Bathrooms
- 4
- Postal code
- N2J 2S8
- Kitchens
- 3
- Kitchens above grade
- 3
- Kitchens below grade
- 0
- Family room / den
- No
- Interior size (reported range)
- 2500-3000 (units not reported)
- Lot size
- 0.15 acres
- Lot depth
- 108 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 6
- Occupancy
- Tenant
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 6674.34
- Basement
- Partially Finished
- Interior features
- Separate Hydro Meter, Separate Heating Controls
- Architectural style
- Other
- Parking features
- Private Double, Other
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Elevator
- No
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- None
- Sewer
- Sewer
- Direction facing
- South
- Construction materials
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation
- Concrete, Stone
- MLS entry age (not confirmed DOM)
- 19 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- None
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 11
- Bedrooms below grade
- 0
- Rooms above grade
- 19
- Rooms below grade
- 3
- Den / family room reported
- No
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $1,249,900
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- WATERLOO
- Municipality
- WATERLOO
Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
MacGregor Public School ↗
Elementary · 6-8 · English · Public
Waterloo Region DSB
32 Central St, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Waterloo Collegiate Institute ↗
Secondary · 9-12 · English · Public
Waterloo Region DSB
300 Hazel St, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 57%
- Grade 10 OSSLT (first-attempt pass)
- 85%
École élémentaire L'Harmonie ↗
Elementary · JK-8 · French · Public
158 Bridgeport E Rd, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Elizabeth Ziegler Public School ↗
Elementary · JK-6 · English · Public
Waterloo Region DSB
90 Moore Ave S, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 71%
- Grade 3 Writing (at provincial standard)
- 60%
- Grade 3 Mathematics (at provincial standard)
- 48%
- Grade 6 Reading (at provincial standard)
- 93%
- Grade 6 Writing (at provincial standard)
- 86%
- Grade 6 Mathematics (at provincial standard)
- 47%
St David Catholic Secondary School ↗
Secondary · 9-12 · English · Catholic
4 High St, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 67%
- Grade 10 OSSLT (first-attempt pass)
- 97%
Our Lady of Lourdes Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
55 Roslin Ave S, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 71%
- Grade 3 Writing (at provincial standard)
- 54%
- Grade 3 Mathematics (at provincial standard)
- 64%
- Grade 6 Reading (at provincial standard)
- 83%
- Grade 6 Writing (at provincial standard)
- 83%
- Grade 6 Mathematics (at provincial standard)
- 45%
ÉÉC Mère-Élisabeth-Bruyère ↗
Elementary · JK-6 · French · Catholic
School board: CS catholique MonAvenir ↗
280 Glenridge promenade, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Lincoln Heights Public School ↗
Elementary · JK-8 · English · Public
Waterloo Region DSB
270 Quickfall Dr, Waterloo
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 71%
- Grade 3 Writing (at provincial standard)
- 64%
- Grade 3 Mathematics (at provincial standard)
- 50%
- Grade 6 Reading (at provincial standard)
- 75%
- Grade 6 Writing (at provincial standard)
- 75%
- Grade 6 Mathematics (at provincial standard)
- 47%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
Filter the records displayed below.
Transit near this property
Published transit locations. Distances are straight-line estimates, not walking routes or travel times.
Rail & subway · within 5 km
- Kitchener GOGO Transit · Train3.0 km
Bus & streetcar · within 2 km
- Wilfrid Laurier UniversityGO Transit · Bus502 m
- Wilfrid Laurier UniversityGO Transit · Bus539 m
- University Ave. E. @ Weber St. N.GO Transit · Bus641 m
- University Ave. E. @ Weber St. N.GO Transit · Bus649 m
- University of Waterloo TerminalGO Transit · Bus1.4 km
- University of Waterloo TerminalGO Transit · Bus1.5 km
Sources & service information
These are locations in published feeds, not live arrivals or confirmation of service at this moment. Station platforms are grouped only by the source parent-station relationship. Check the agency for schedules, disruptions, access and entrances. Coverage: TTC, GO Transit and UP Express only; other agencies are not yet connected.
- GO Transit source · feed 2026-10-28 to 2026-11-27 · checked 2026-11-02 14:57:59 UTC · Licence · Agency website
Filter the records displayed below.
Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in Waterloo
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
Sold and leased comparable records are shown only to approved VOW users where the source permits display. Sign in or request VOW access if prompted.
How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
19 James Street, Waterloo, ON N2J 2S8, Waterloo is listed for sale as a Triplex. The listing reports 11 bedrooms, 4 bathrooms, reported interior area of 2500-3000 (units not reported), kitchens reported as 3, parking spaces reported as 6, lot size reported as 0.15 acres. Asking price: $1,249,900. Occupancy is reported as Tenant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X14092196.
The Ministry’s school dataset lists MacGregor Public School approximately 298 m from the property’s mapped location. The published GO Transit feed includes Kitchener GO, approximately 3.0 km away.
Local context
The Ministry’s school dataset lists MacGregor Public School approximately 298 m from the property’s mapped location.
The published GO Transit feed includes Kitchener GO, approximately 3.0 km away.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility. Published transit locations do not confirm service at this moment.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: ROYAL LEPAGE WOLLE REALTY. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X14092196. Information deemed reliable but not guaranteed.